What advice would you give your 25-year-old self?

“If I’d only known…”

Every catch yourself saying this? We all do from time to time. Imagine the mistakes we’d avoid and the time saved if we could go back in time and give advice to our younger selves.

What would you say? Study harder? Travel? Save more?

Here’s my list:

Trust your gut
That little voice inside is correct far more than you think.

Learn from your elders
They’ve been around for a while and are happy to share experiences and wisdom that they’ve picked up over the years.

Find balance
There is more to life than work. Travel, spend time at the beach, and relax by doing hobbies and activities that you enjoy.

Don’t expect to have all the answers
Not sure? Say so. People generally won’t judge you for not knowing something, especially if you promise to do some research and find the answer.

Take care of your body
Now is the time to establish life-long fitness habits, but pushing too hard at this age brings aches and pain down the road.

Take calculated risks
Too much risk is bad, but so it too little.

Stick to mutual funds
Set a 60:40 ratio of stock to bond funds, and other than rebalancing your portfolio yearly, leave it alone.

Use your ears
You learn far more by listening than talking.

Give back
Find more time to volunteer. It’s really a win-win.

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