What is one piece of life advice you'd give to your younger self if you were able to go back in time and do so?

This is an easy one! I would tell myself "threats of things going on a credit report does NOT mean you can't get a credit card. It means you can't get ANYTHING without cash and a bank account." I would tell myself never to get an eviction on your report. And I would tell myself "listen to the man who forewarn's you that you will see demons. He is not as crazy as you think."

I would like to think my life might not be so complicated if I would have given myself this kind of advice.

"Listen to your parents."

In my case it would be, "Take what your parents tell you with a gigantic grain of salt". They are living under wrong assumptions and will twist and tie up your emotions and life for years to come.

Go in and see the guidance counselor in high school and get al your paperwork in order for college.

You only need to remember two things:  1)---don't sweat the small stuff and 2)---everything is small stuff.

Finish college