The key to trading success is emotional discipline. If intelligence were the key, there would be a lot more people making money trading.
Knowledge can be shared, but wisdom cannot. It must be discovered and lived.
The most exciting phrase to hear in science, the one that heralds new discoveries, is not 'Eureka!' but 'That's funny...'
Success is a journey, not a destination.
So given a Time Turner, I would tell my 21-year-old self that personal happiness lies in knowing that life is not a check-list of acquisition or achievement. Your qualifications, your CV, are not your life, though you will meet many people of my age and older who confuse the two. Life is difficult, and complicated, and beyond anyone’s total control, and the humility to know that will enable you to survive its vicissitudes.