To me, it's a statement of growth. A statement that you now acknowledge that you have the capabilities to not make the same mistakes or hold the same regrets again. A statement that you now know what needs to be done to get to the next chapter in your life. So let's try it. Let's ask ourselves "If I knew then, what I know now...what would be different?" BUT let's follow that same question with "Now that I have both the experience and knowledge, what can I do with it?"
If I knew then, what I know now...I would have saved more money in college as well as paid some of the interest down.
Now that I have both the experience and knowledge, I can save money NOW and work with my creditors to decrease the interest as well as find opportunities to have financial freedom.
Now...YOU TRY!
If I knew then, what I know now... ____________________________________________...
Now that I have both the experience and knowledge, _____________________________...
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