Don't know if I would do anything different because I am pretty darn happy with where I am today. My first thought when I saw your question was the law of unintended consequences.For instance, if I had not partied like a wild man for 3 semesters at Auburn my parents would not have "suggested" I try a church affiliated university, in the hopes it might slow me down some. It did and most importantly I met the most incredible woman in the world.I really think I would be dead or in prison if not for her. So really, pissing away 3 semesters of college, which certainly did impact my financial future, was pretty much the best thing that ever could have happened to me and I would not change a thing.