Rosemary McCabe: ‘Within five years, I’d opened six credit cards and, between me and my husband, we now have a total debt of $78,000’

Lately, I’ve been thinking a lot about what advice I’d give my 20-year-old self. It’s the kind of question that seems mostly to come up in celebrity interviews in glossy magazines, and has no real purpose. The celebrity in question will either have pithy and insightful recommendations for their younger self, or a jovial sort of self-deprecating warning that speaks of wilder, more carefree years.