Something I wish I did at least as much as recommended (in Brazil, which is, say, half USA's recommendation): Worry about $$$

I avoid this worry because: 1) Getting $$ seems boring compared to going to the movies, reading less wrong, creating transhumanist charities. 2) It seems to be a lottery, where the few get a lot. Not being motivated for this decreases my odds. So my odds are really low. 3) Grown up as the son of a motivated money-maker, and have seen what it takes to get his share. Not willing in the least to pay the price. 4) Not an ambitious individual, never want to live alone (prefer with friends), or have kids, dislike expensive fashion. 5) Feel in control of my time now, wouldn't if working. 6) Have a lot of knowledge of philosophy, psychology, and a natural tendency for speaking to audiences, would waste all those talents if went to commerce, banking, industry, or anything that will pay me more than one third my parent's household income 7) Never had an emergency situation which would cost too much that I could not afford 8) Seems reasonable to assume that an extrovert individual with a degree from the country's best university IQ ~150 would be able to acquire money as soon as the need really comes, so no reason to do it in advance, just like no reason to have arthritis or alzheimer in advance.