Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering

What one bit of financial advice do you wish you could've given yourself five years ago?
I wish I had started contributing to the pension fund offered by my employer sooner than it became compulsory. That is, I started working when I was 23 but did not contribute to the pension fund until I was 30 (the age at which it is compulsory to do so). I lost a lot of productive years in mid to late 90s, when the stocks were doing well. :-(