[accrual]

1. Don't shortcut on education. I wish I would have earned a more challenging degree, instead I got a 16 month AS and went to work. At 30 I have to decide whether or not it's worth going back to school.

2. Don't put your health aside. It's easy to say you'll workout later, eat healthier later, walk more later. Do it now and start routines that will carry your health into later stages of life.

3. Try things, meet people, and go places. Even if you'd rather be at home focusing on something. The stories and experience you earn will be worth more than the items you could buy. It's hard to buy back things you could have done but didn't.