Been around the block?  Think you have some pearls of wisdom for the youngsters here?  This is where you present it.  Let others learn from your experience.

Gotten screwed on a financial deal?  Gotten into the wrong kind of relationship?  Made a dumb decision?  Want to stop somebody else from doing the same?  Here's your chance.

Take college seriously.

I didn't, and I regret the hell out of it.

I didn't spend my time partying and getting drunk rather than going to class; I simply would drop a class if I didn't like it, rather than stick with it.  As a result, I've been going to college, off and on, for the past 6 years, and I've yet to get a two-year degree.  And since I have no recent work experience in the jobs I want, and no degree, I'm stuck looking for work at places like Wal-Mart.

Don't be an idiot like me.  Go to class, put up with your dumb fucking teacher, do the stupid boring assignments, and get it over with.  Go even if you're operating on two hours of sleep and you're only half-awake through the whole thing.  Do the assignments even if all four classes give you your major end-term projects at the same time and you can only do them half-assed.  (Not that I advocate not getting sleep and doing half-assed jobs; I'm just saying it's better than not doing it at all.)

  Be careful with credit cards

  When you start building credit, (in my experience) you'll get a lot of offers for credit cards, but you won't get offers for good credit cards. You'll get offers for credit cards that have annual fees, usually very high fees, and they'll have high intrest rates, too. This means as soon as you accept the card, you'll owe hundreds of dollars in fees without ever charging anything on the card. You'll have to get a shitty card and keep it in good standing before you get offers for ones with good rates and no annual fees. My advice: pay it off fast and then cut it up. Don't even charge anything on it. I had to give mine to my dad to keep myself from using it. After that you'll start to get offers for cards you can keep and use permanently, but even then be very careful. And remember, a big chunk of your credit score is based on the ratio of available credit you're currently using, so it's more important to have a small credit card that's paid off than it is to have a large card that's maxed out.

This is a minor thing about college. Like your instructors. Think of something good about each of them. This is necessary to get good grades. Don't take it personally when they're unfair or foreign. Just get along with them because it's something you have to do, like carry a pen.

Another bit of college wisdom...

Go to class. 

Once you get to college, especially in the first two years when many of your classes are large enough to where you won't be missed, the temptation to skip those classes (a freedom you didn't enjoy in high school) will be almost intolerable.  Any pretext will do, and by and by it becomes a habit.

There is, however, a direct correlation between showing up  to class and getting good grades. 

And this next one I learned the hard way:

Never invest in a stock whose price will depend on impending news which you expect to be good.

And its corollary:

Never invest more than you're willing to lose.

Treat your work relationships like work relationships

These people are your coworkers. They might become friends but they probably won't. What they can do is make your life easier or harder depending on what they think of you. Be nice to them, even if they are stupid - you need them. Being the workplace asshole will win you nothing. Your daily work will be more difficult and your chances of getting ahead will be severely reduced.

Make your career decisions based on what you can be happy doing

What can you do 40-60 hours a week and be happy? Do that.

Basically what Bambi said.

Be sure you can sell one house before you buy another

This one may be well into the future for many of you but it is good advice. I am leaning this one right now. When I got a job in another state in July of '05 we were financially secure enough to buy a house in our new town and just put the old one on the market. The bottom dropped out of the housing market and today we have still not managed to sell the old house and are pretty much out of savings.

If you think you're in a disastrous relationship, ask your friends

Another one straight from experience, but it's also commonsense. Chances are if you're in a serious relationship that's having problems, you probably don't have a lot of perspective on the issue. Your friends, however, have known you for a long time, and have seen the relationship probably in it's entirety and it's impact on you, positive or negative. They'll be able to give you clear, level headed advice, but you're probably going to need to ask for it. If your relationship is going down the shitter, they're probably too polite to point it out, if it's going really well - despite what you think - they probably won't think they need to tell you that. If you're having problems, ask for advice; good friends are going to be more than happy to give it and candidly.

You don't want to find yourself in a scenario where you break up with someone and then everyone of your friends comes out and tells you "Fuck, dude s/he was fucking batshit. I didn't want to say anything, but, damn." Or perhaps worse: "You broke up with them? What the fuck, dude, are you retarded?"

Save Money Early

This goes for when you get for your first big job early out of college if.  Make absolutely sure that you're contributing enough to your 401(k) so that the company is maxing out their contribution.  If your company contributes 100% of the 5% of your pay, contribute at least 5%.  If they do 4%, make sure you're at least contributing 4%, etc., etc.  You're just turning down free money otherwise.

If you can force yourself to postpone buying unnecessary items and actually save that money, you will reap tremendous rewards down the road.  The time value of money is a great thing; use it to your advantage.

Never Take Cocaine and Alcohol at the Same Time

A case could certainly be made for not using alchohol.  McGruff the Crime Dog can give good earnest reasons for not doing cocaine.  What I want to explain though is how metabolism and pharmokinetics apply, here, and why you should care.  I'll tell you that last part now If you use take cocaine and alcohol at the same time, it can kill you stone dead.

The liver is the bodies primary means of breaking down toxins and foreign objects we decide to put in our mouths or noses.  This includes Cocaine, and this includes alcohol.   Now normally both cocaine and alcohol are metabolised just fine by the liver, as the body works desperatly to stop you from poisoning yourself.  But when you combine two poisons the effects are not additivive, they are multiplicative.   It's like adding 2 and 2 and getting 17. 

The Liver focuses first on the alchohol leaving Coke to travel unmetabolised to area's of the brain it really has no business being.  An itty bitty sniff then can turn into a great big hit.  If you're both inexperianced and immature that hit can be enough to give you a heart attack or a stroke.  The same thing can happen if you are neither of these things mind.

If you manage to survive then the extra ethanol in your liver will also interact with the cocaine to metabolize it into a wholly new substance- cocaethylene -which can also do odd things to your brain in addition to damaging your heart valves.

Stick to mixing safer vices like sex and violence, or pot and pizza.  Good luck.

Don't let the little things get you down.

This may seem obvious, but it's something I've struggled with my whole life.  I have OCD, so when I make a mistake, I tend to obsess over for weeks at a time, and feel like hurting myself whenenver I think of it.  This, combined with the fact that I'm already harshley sefl-critical, makes this behavior almost crippling.

The simple fact is, most of the little fuck-ups you commit don't really matter in the long run.  Life goes on, and most of the time everyone else has forgotten about it, even if you haven't.