Here are Five Things I would do differently if I were 18 again:
I would use no more than 80% of my earnings. I would consider the tithe to my church and at least 10% to savings as a bill due each month. I would treat credit like a plague.
I would pull out all stops to become fluent in another major language such as Spanish.
I would spend no less than an hour per day praying and studying the Bible; I would strive to submit to every whim of the Holy Spirit and totally surrender to God without fail.
I would work tirelessly in becoming an expert in an area and serve a mentor in that area of expertise.
I would seek opportunities to serve others, yet I would learn the art of saying “No!” in a humble way.
Harry L. Whitt