Not just University education, but observing those around you. I grew up in a high crime rate area, loads of people constantly making the sane mistakes now either dead or in prison, many say they need to make those bad decisions to gain wisdom. Learn from others.

Yes, something many people forget about. Rea I grew up in, countless people make the same mistakes, you can't grow up there without seeing these mistakes and the negative impact it has on a person's life, yet everyone e keeps doing the same because "how am I to know?".