6. Incur less debt.
Don't buy things you don't need and think long and hard before getting a credit card. No matter what they tell you, it's not free money, and no matter how high the limit, you shouldn't go blow it all on designer duds and a fancy vacation. Debt sucks in any form. Instead, focus on building a solid credit history and credit score so you can finally nab a killer interest rate when you go sign a mortgage.
7. Wear more sunscreen.
Basking in the rays may pay off in the short run with a glistening tan, but in the long run it leads to age spots, wrinkling and sagging of the skin. So grab the SPF year-round, reach for self-tanner or just embrace your skin tone for what it is.
8. Think carefully before marriage.
Several readers voiced they would have waited to get married. One reader said she would have waited until at least 30. While there's no hard and fast rule everyone can apply, it's sound advice at any age -- to think carefully before you wed.
9. Slow down.
Too many of us waste precious moments because we're too busy connected to our digital devices or on social media or worrying about the next career move. Life is short. Savor it. We think a reader put it perfectly: "I would not have been so driven to be successful and work 80 hours a week to make partner all those years. I would have lingered. I would have defined myself by more than what I did for a living."
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