If you could go back 10 years, what financial advice would you give your younger self?

one of the friend told, he’d tell 2015 him to stop buying gadgets on EMI and maybe start SIPs earlier, avoid that personal loan, build an emergency fund or even just don’t panic sell in 2020.

that tiny step would’ve grown into something meaningful today. what’s the advice you’d give your younger self from 10 years ago?

Would love to hear the lessons people here would pass on to their past selves.