Advice for what, exactly? Who knows what would have happened if you took a different path? I could say say to myself that I should have travelled the world, backpacker style for years, having great experiences, learning about the world and meeting lots of different people. Wow, just thinking about it makes me wonder how different my life would be now. I would have been personally rich, but likely financially poor. As it is, I've travelled very little having been committed to work for the past 10 years, hope to travel soon. However, the path I've taken has put me in a position of financial freedom and can take good care of my family. There not much point in saying what you should or could have done. It's all about right NOW. Anyway, the advice I would give myself back then if I could would be - Learn how to make more money, and that does not involve investing. When you know how to make real money, you don't need to rely on other markets out of your control.