Hang out at early-retirement.org. Those people give great advice to help you reach financial freedom.

In addition to all the above excellent advice, I would tell my 20-yr.-old self that if you buy something on sale and you use a credit card to purchase it, and you don't pay off the balance at the end of the month -- you have negated the sale and actually paid more for the item than the original price. No bargain there!!

I am pretty happy with my choices so far