[Todd]

Two categories: now and future. First, future. This is where most people give advice. Develop your passion and follow it, etc. This is important. You must dedicate time and effort to becoming good at something--hopefully something that pays well or can be turned into an asset.

With regard to startups, I suggest working for a larger company for a short time to learn how larger companies operate, then maybe joining a startup. This step can be skipped if you have your own ideas or drive. Finally, start your own. Building an asset that you own part of is the only way to get ahead in a meaningful way in a shorter amount of time. Note that while doing this, you should max out a 401(k) or other retirement vehicle as a hedge. This may not be possible during certain stretches of the startup cycle, but minimize them.

Now the now. Enjoy your youth. That is the one thing you don't get back. Develop an interest in one or more sports. Exercise. Meet lots of people and date before or until you settle down. Finish your education. It gets harder over time. Travel.