[veidr]

First: Learn the essentials of personal finance: savings, taxes, credit.

You already know how to calculate how much your credit-card-augmented lifestyle is costing you, but you don't — why? Why on earth are you going to take out a loan on a new car next month when you could just buy a used Audi for cash?

Go smoke a joint, introspect on why you have that flaw in your character, and fix it.

Next: You will eventually decide to have kids. When you do, this life will be over. A new, different life will begin. Aside from whatever satisfaction you do or don't get out of the new aspects, one of the main differences will be the amount of your time and energy you can devote to pursuits like making software, writing novels, building a company, etc will be reduced by about 80%. So this is your window. Don't let your youth go to your head. You are in the first year of only 10 or 15 that you have left where what you do is totally up to you.

Finally: Stop smoking cigarettes immediately, you stupid little fuck.