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My One Regret…

If you could tell your 18 year-old self just one thing, what would it be?

If it were me, I wouldn’t waste my time on advice about boys, friends or college “rights of passage” – instead I would tell my 18 year old self to avoid massive student loan debt by paying cash as I was able and only borrowing the bare minimum when it was necessary.
Although I’ve made plenty of mistakes in my life, and have a ton of moments I’d like to change – I really have only one true regret, and that’s the astronomical amount of student loans I acquired throughout college.
I wish more than anything that I had truly understood the magnitude of the debt my college career was creating, and what kind of burden it would put on my future.
If I had a dollar for every time I’ve shared my regret with people since starting our Total Money Makeover (available on Amazon), it would have more than covered our beginner emergency fund (baby step 1).

I wish personal finance was a required class in junior highs and high schools across this country.  

I wish my parents had a book like Smart Money Smart Kids to use as a guide in raising me.  

I wish that college advisers were required to meet with students every year to go over their student loan situation.  

I wish I’d known better.

But I can’t wish away the past – or my mistakes. All I can do is grow from them and continue to try and spread the message far and wide that student loans and credit cards are drowning us. But most importantly, I can teach my son that their is a better way and help him avoid my financial mistakes.
What mistake from your life will you work to correct in your children? 
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