You captured everything perfectly. I’d stress the healthy diet, workout, and sleep schedule. When I was at my lowest point in my 20s, personally and professionally, I honestly think it was because I didn’t have these fundamentals in place. You have no energy to thrive if you aren’t taking care of your body. Regarding money - do not get sucked into social media telling you that you need a $10000 Chanel bag and $300 sunglasses. You don’t. Plus your style will change 10x in your 20s. On relationship - find the friends you really have things in common with. I spent too many nights in clubs where I didn’t want to be, with friends I had nothing in common with. And do not put all your energy into romantic partners. Yes, being in your 20s is about having adventures, dating and having relationships that don’t work out. But I wish I didn’t put ALL my emotional energy into trying to figure if a certain guy liked me etc. Finally use the internet and social media to your benefit. There is so much information out there on money, health etc that I just didn’t have access to in my 20s but be critical of what you read, use reputable sources, and follow people who impact you in a positive way.