Someone on reddit in r/personal finance mentioned, the other day, the vast difference felt, personally, in between the ages of 20 and 25. Although some mid-age (23) commenters said they did not feel a drastic difference, I certainly do. I may opt to discuss this in this thread later.
But otherwise, Baz gives all the advice I would give, but better.
In addition, everyone, thank you for the birthday wishes.