Any point being in a long term relationship when I'm 18? My girlfriend goes back on what I say a lot and she just does disrespectful shit and doesn't want to change.

 

Get out.

Dude don't ever believe that your best days are behind you, thus that you will never find somebody else better down the road. It's not worth it, she knows she probably can't do better.

 
Wolfofgeorgestreet:
Any point being in a long term relationship when I'm 18? My girlfriend goes back on what I say a lot and she just does disrespectful shit and doesn't want to change.

Run away!

 

This may be too cynical of me, but honestly what is the point of being in a long term relationship as someone so young? Neither of you entirely knows what you want (presumably) and you're more likely than not shutting yourself away from potentially positive life experiences. If you have a counter argument feel free to give me one, that's just my take on it.

 

Maybe buy some cryptos and sell in December 2017...

But more realistically, if I could go back I would have taken high school more seriously.

 

Not take on a massive student debt load and get better grades. Probably a bit intertwined.

Commercial Real Estate Developer
 

1) enjoyed college a bit more instead of working so hard (work smarter, not harder) 2) be less of an ass in college i.e. not so fratty

 
theaccountingmajor:
How was being in a frat?

it was fun, but eventually we were kicked off campus/the chapter was closed because we had a bit too much fun.

 
Most Helpful

Probably would've focused on not following stupid people and doing dumb teenaged shit. Just fun and inspiring teenaged shit, like bodybuild, eat good foods, actually save my hard earned dollars, take all the trips I could (even if it's in an old jeep overland), explore more (fishing, natural finds, camping), stay away from debilitating things like weed and alcohol, take academics very seriously, set more goals and achieve them, etc.

I feel like I had half of a great teenage experience. All of those things above I could've had, because I was working, was physically attractive but not outstanding, and was smart. But then I took it for granted and missed out on more opportunities. I probably stunted my own growth a little bit, messing around with stupid stuff. There's a lot to be said about living everyday fully and taking the little things in more.

 

wow, these are really great points

I tried to do most of them (had a fun with good friends/colleagues, did some sport, saved my money not to spend on stupid things, left my country to start new journey, did some trips I can, only invested time on good relationships (friend, girlfriend, etc.), stood away from smoke/drug/alcohol, graduated from respectable school, always took my academic very seriously, achieved good results. Now after all these years, I still couldn't achieve my goal of getting good IB/PE job I wanted to, so when looking behind, I don't really know what I could change except few minor things, it is really damn when you can't identify where you did mistake or is it just a way it had to be?

 
torres657:
wow, these are really great points

I tried to do most of them (had a fun with good friends/colleagues, did some sport, saved my money not to spend on stupid things, left my country to start new journey, did some trips I can, only invested time on good relationships (friend, girlfriend, etc.), stood away from smoke/drug/alcohol, graduated from respectable school, always took my academic very seriously, achieved good results. Now after all these years, I still couldn't achieve my goal of getting good IB/PE job I wanted to, so when looking behind, I don't really know what I could change except few minor things, it is really damn when you can't identify where you did mistake or is it just a way it had to be?

Something as specific as banking is a narrow window with the sheer high numbers of applicants. I’m sure there are people who did the opposite of you and messed around similar to me a bit and still got to a top BB. I think “never too late” is just illogical, but in your 20s trying to get where you want to go might not be too late. It may not be the path that is easiest, but I would say keep pushing and change things going forward based on your own strengths or what’s most comfortable for you.

 

wow this hit home hard....you articulated what I've been thinking for years but had a tough time putting into a complete thought..

So torn between what my ideal high school experience wouldve looked like. I dont necessarily regret some of the dumb teenager shit me and my friends did because I think thats a part of the experience but I just wish I had more true inspiration during high school. Thats when you are probably in your most malleable form and its a very good time to find out who you are and what you're really passionate about since you still have a decent amount of free time but also are smart enough to make calculated decisions.

Saving my hard earned money would definitely be my biggest regret, i actually get sad sometimes thinking about the things i've wasted money on.

 

Nah. You take the line on the Howard/UNLV game. That pad out 450:1.

Or the Leicester City Parlay. But I'm partial to CFB... so there is that.

 

1) Start university at an age of 19-21 rather than at 27; 2) I should of went STEM in University - a commerce degree is equivalent to an arts degree; 3) Filter out the friends that have zero ambition and no vision; and 4) Traveled more.

 

I woulda taken my college money and bought bitcoin in 2010 when i saw it for under $1 and retired before i graduated.

It was worth less then Venezuelan currency.

Then I woulda bought an online biz and been a secret baller in 3rd world countries until I was 30 then prob move back to the US.

 
differentialequations12:
I woulda taken my college money and bought bitcoin in 2010 when i saw it for under $1 and retired before i graduated.

It was worth less then Venezuelan currency.

Then I woulda bought an online biz and been a secret baller in 3rd world countries until I was 30 then prob move back to the US.

Even better - borrow bolivares to purchase bitcoin. DOUBLE WHAMMY

 

Nothing.

On the semi-realistic maybe could have done.... I would have dropped out of college and went to work as intern at fb sophomore year. That was when they went fro ivies only to top 20 schools.

On a why was I lazy and didn’t do this. I heard about bitcoin in the very beginning and thought it was neat. Back when I could have downloaded a program and mined a coin for a few pennies. I read the overcoming bias blog where the likely sakamoto - hal Finney posted. Even looked at a link to mine back then but got lazy and didn’t do it. Likely would have lost the coins or sold for $50. I’m still in the camp this is cool code but I do not see a use case today for digital coins.

 

This would put me at 13 years old.

Outside of finance things. I'd take more chances with girls, ditch the bad foods, actually lift weights to maximize my genetics, and focus on school more.

On the financial side of things. I'd do what everyone else would do with the 15 years of knowledge. Forget it, I'll just pick a social media platform and become the founder of it. Then I'd hire the founder in this reality to some entry level position.

 

Probably tell my 13 year old self to stop being so damn weird, listen to less Metallica, wear less black and focus more on baseball and pitching.

"That was basically college for me, just ya know, fuckin' tourin' with Widespread Panic over the USA."
 

Everything. Get better grades and SAT scores in Highschool. Go to a better college, or atleast get a better GPA. Then I wouldn't be in this situation now, where getting into a decent MBA will be a pain in the ass.

 

Sure. Sorry for taking so long to get back. I went to VMI. Civil Engineering and ended with a 2.9... some pretty bad grades along the way and lots of summer classes, although my last 3 semesters my avg was above a 3.0.

 

15 years ago... I'd be in high school still. It would have been too easy knowing what I know now: - get better grades - participate in a sport - play fewer video games - stop hanging out with dumbasses - get into a much better college - travel more while in college - get whatever dream job I'd have dreamed of if I did all this

These topics are pointless in many ways, not least because you can't change the past. It's just an exercise in dwelling on your mistakes, which if you have done / are doing something about, are all pointless to keep thinking about. Focus on the future. The question you should ask is not what you'd do differently in the past, but what do you intend to do differently going forward?

I'm personally on a pre-30 game plan. I've dedicated this year (29) to doing all the little things I said I'd do in my life but never did. Getting totally shredded, quitting substance abuse in all forms, consistently meeting my budget and lifestyle goals, fixing my appearance, dating a whole lot more, positioning myself for the HF job I want, and generally putting myself in a position to execute on my long-term goals.

in it 2 win it
 
Kassad:
15 years ago... I'd be in high school still. It would have been too easy knowing what I know now: - get better grades - participate in a sport - play fewer video games - stop hanging out with dumbasses - get into a much better college - travel more while in college - get whatever dream job I'd have dreamed of if I did all this

These topics are pointless in many ways, not least because you can't change the past. It's just an exercise in dwelling on your mistakes, which if you have done / are doing something about, are all pointless to keep thinking about. Focus on the future. The question you should ask is not what you'd do differently in the past, but what do you intend to do differently going forward?

I'm personally on a pre-30 game plan. I've dedicated this year (29) to doing all the little things I said I'd do in my life but never did. Getting totally shredded, quitting substance abuse in all forms, consistently meeting my budget and lifestyle goals, fixing my appearance, dating a whole lot more, positioning myself for the HF job I want, and generally putting myself in a position to execute on my long-term goals.

I don’t think it’s pointless. In reality, you can’t go back and change things you did or the wrong choices you made. But everyday is a new day. The most successful people say “no regrets” and “I wouldn’t change a thing”. Of course not. It all worked out great for you, and maybe you made the best decisions you could. But then some of those same people will commit bad acts like rape, assault, murder, overusing drugs, drinking and driving incidents, neglect of their children, or even just infidelity to someone they love. The people who do dumb shit at one point in their lives but go down the road and are in a better position, have reflected on the mistakes they made, and learned from them to do differently. You can’t change the past except in the sense that tomorrow, today will be the past, and you have to live everyday as if you want to do more in a better way.

 
iBankedUp:
Kassad:
... which if you have done / are doing something about, are all pointless to keep thinking about.
in it 2 win it
 

1) Buy bitcoin 2) Start learning about fin-ants sooner 3) Buy more bitcoin 4) Have the capital today to start my own family office 5) Ferrari 488 6) Models and bottles

 

Differently? Pretty much everything.

  • Not waste 3 semesters in pre-med to then realize you love investing
  • Bite the bullet and go to a target school despite hefty student loans to have access to better job opportunities
  • Find WSO sooner
  • Do internships every summer

I can think of a long list. But hindsight bias is 20/20 am I right?

 

Two large things

Never get married. Or at least not consider it until about my current age (40s). Nothing will change your mind, your outlook and your finances more than a divorce. Just plain awful and was a terrible time in life. I wouldn’t marry until at least 40 and I would never be a females first husband. Let someone else break the “Disney princess” fantasy on their dime. I want to be the second or third husband when she’s learned to behave a bit.

Think about joining the military. I was pretty ignorant about the military and things like officer versus enlisted when I graduated college. If someone had taken the time to explain that to me I would have very well considered it. Happiest man I ever met was a 20-year retired military. Still young, fat pension and tons of skills.

Overall I don’t regret many choices, I’m very happy with where I’m at but the above two would have improved my life.

 

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