For me, I will say

1) investments - important to learn how to invest at least some of your savings/income if you manage to accumulate some; have some risk appetitie as you are still young and can afford to take on riskier asset classes
2) stay humble and make sure people get on fine with you. Do not step on people's toes or sabotage others to get ahead of your peers; it will come back to haunt you. Integrity and honor in yourself is important as this stays with you for life.
3) plan carefully your finances. every $ saved and invested will go a long way. spurlging on unnecessary things once in a while is OK, but not regularly
4) Re point 3, luxury is debatable, but give your family the best when you start one. e.g. if you can afford a car, get a small one so that your family can move around in some comfort. No need to get those German makes/ lucury models...a simple bread and butter one will suffice. Life in Spore is tough as it is, so some treats in our limited life span (avg lifespan say 65-75?) will do us good.