[mikestew]

My 20 year old self? Lessee, doing a little math here...okay, got it: in a few years a software company called Microsoft will IPO. Take every spare dime and buy shares. Continue to do so until about 1999, then sell all of it.

In all seriousness? You're not as clever as you think you are, so try being less of an asshole. Even when you are the smartest person in the room, no one cares, so quit being so insufferable. Spend more time with your musical instrument; you'll never go pro, but it will add enjoyment to your life and sometimes that of others, and when you're older you'll regret having not played more when your were younger.