@Marcy1904 I would tell my 20-year old self (and hope that I would take it to heart) that you can learn from the mistakes of others for free, or you can learn from your own mistakes that can cost you dearly. I would also tell the 20 year old to take a money management class and not get into credit card debt.
As a high school business teacher, I taught money management. Everyone who knew what I taught thought it was great except for administraiton. Go figure.
The next time that I hear salt and ice together, it better be in a margarita!