So if there was one thing I could pass to my 21 year old self it would be my favourite quote that happens to be from Nietzsche.
"Today as always, men fall into two groups: slaves and free men. Whoever does not have two-thirds of his day for himself, is a slave, whatever he may be: a statesman, a businessman, an official, or a scholar."
I wasted literally 25 years working for other people before walking out of a highly paid job in 2012. The best thing I ever did. I live a simpler life now with much less money (and much less debt!) and massively more time for myself. To think... to learn... to do whatever I please.
Money is great - but it is useless without time. Time is so precious.
RE: What I would tell my 21-year-old self.