* There is plenty of time to try a few things out and not feel like your doing anything wrong. I went from school to university and threw myself into a career and it brings you financial advantages which, I suppose, may compound in future life but looking around my peers nobody regrets the year travelling or the year working a couple of jobs that were never a career (teaching abroad?).
* I think most people would say its sensible to start early with savings/pensions and personally I have but, you know what, balance is as important.
* People do nice things for people they like. This, in my experience, has extended to pay rises and favours in work so I try to work for people who like me even if that involves playing a game. Another place I apply this is I'll only contradict or criticise someone at work is if they ask my opinion and even then only in the right setting.
* Finally, basically I wish I hadn't worried about stuff so much. Property prices, interest rates, fillings in my teeth, projects running over etc. At 29 I think I worry about 2% of what I did at 21.