I'm 32 and pretty successful in my career but I wish I could give some advice to my 20 yr old self. When I was 20 I thought once I got a job making 100k/yr I would be set for life. Not the case at all. So much I didn't understand. I would strongly suggest you educate yourself by reading lots of books on life and business. I would start with "Millionaire Fastlane." It's not a how to book, but it helps have the right mindset. It's also not about how what you want is money (despite the title). "How to win friends and influence people" is also a great business book.