<prompt> Human: I dont want this to be just for me, but answers about not racking up truly unnecessary debt credit cards, unaffordable carhomestudent financing or investing earlier are assumed to be known. My question for this sub:If you could be 25 again - lets say no debt and income fairly beyond your immediate needs, what would you do that will pay off long term? Besides maxing out a 401k, Roth IRA, converting a rolled over 401k to an IRA. What long term strategies do you really wish you did? Bonds, annuities, real estate, travel?  <response>: Not be so angry, or take myself so seriously. I mean, really...lighten up, 25 yo me... 