My biggest money mistake was not refinancing my student loans sooner, partly out of ignorance and partly because my accounts were in my mom’s name and I was giving her cash to pay them every month (so I wasn’t even getting the tax write off on the interest). I was paying 9–10% interest on my loans! I finally wrested control of the accounts after being out of school for 5 years. If I had refinanced a couple years sooner, I would’ve saved so much money and wouldn’t have $40k of principal left at this stage of the game. Ugh.