re: If you could wipe the slate clean and start over, what would you do?

I would have joined the military(likely the Navy) and let that pay for nursing school and become a Navy nurse(my asvab scores were actually a decent score for a chick, I had the Navy calling my house in HS to talk to me about becoming a navy nurse). I think the military would have taught me some much needed discipline back then. And it would have gotten me away from bad influences over my life back when I was young and dumb.

Started exercising more when I was younger and not taken my faster, younger metabolism for granted.

Be much more responsible in spending and not rack up a bunch of credit card debt just because it was so easy to get credit cards as a college student back then. Save more.