Pretty sure I'm not too far behind... also: beards++
Just makes me realize how much time flies. It seems like you have forever when you're young but it's just not true. I'm going to be 40 in a while and it feels like I just left home after high school.
I think if I could do one thing differently it would be to work on something I love consistently, on a daily basis and never give up. Never accept any excuse not to persue it. Maybe for some here it's fashion, don't think it's impossible... if you consistently work on something you love doing great things will happen. I think @snowmanxl's story here is a perfect example. He may have his own label in 10 years, who knows? If he is consistent and never gives up then he will, I am sure of it. Maybe it's a sport, music, aquariums, hifi systems, gardening, working on 4x4s or motos, etc... but really consistency is one of the most important keys to success, especially financially. It takes a long time to be good enough at something that folks are willing to pay you for your creativity.
Did I mention I've had the flu and been on many combinations of drugs of all sorts in the last week, the flu is unbelievably painful... never had it before, hope I never get it again...