13. Work On Your Credit
You will never own a home with bad credit. Repeat after me: you will never own a home with bad credit. Although you'll be able to get around that if you have the cash to pay up front, if you don't have several hundreds of thousands of dollars just laying around and you hope to own property some day, you need to get your credit in order now. Even if you messed up all through your 20s, you can still turn it all around by paying your bills on time or, ideally, earlier than the due date and by not taking out any more credit cards. You just might have to cut back on the crazy spending for a bit to get to a good credit score standing.