Let’s face it: we all make stupid decisions. Like choosing a fifth over a review session, or bringing that guy home…who stole our iPod in the morning. That’s part of college life… and a big part of what makes it so memorable. But there are some choices that have longer lasting repercussions; things we do now that will haunt us later.

So here are the 11 things from your 20’s you will most definitely regret when you’re 40.

11. Risque Internet Photos: What’s the point of having technology if you can’t use it to send a naughty pre-shower photo to your BF? Nothing will turn him on quite like a naked photo popping up in his inbox while he’s brushing up on his Stats knowledge. You trust him, so what’s the worst that could happen? How about a break up? Or the “forward” button? No matter what you think, those photos are going to come back and bite you in the (naked-with-a-spot-of-cellulite) ass. Just show him the real thing and let him turn to his imagination (or internet porn) for a mid-class pick me up.

10. Trendy Tats: You totally love butterflies/stars/unicorns now, but I can bet money that you won’t want them plastered on the top of your foot or your lower back forever. No one wants to see a mom with a rose tattoo on her left shoulder, so think before you ink.

9. Choosing guys over your girls: You get caught up in your relationship sometimes and blow off the girls. Fine, we get it. But when sometimes turns into “What the hell ever happened to Mary?” there is a problem. Especially when Mr. Douche Bag finally breaks up with you and you come crawling back to the girls with a tub of Edy’s and a box of tissues and they aren’t there to wipe the snot from your cheek. Do you really want to spend the rest of your days holed up in a dirty apartment watching your man play Rock Band and chug Natty Light? Learn the balance, honey.

8. Getting married too young: I’ve seen it too many times – people graduate, freak out and hold onto whatever they can of their youth. And they get married. And become super lame married people. It may be pure bliss now (and lots and lots of kitchen-ware), but just think about all the awesome stuff you will miss by being tied down in your twenties, all that freedom: to travel when you want, to take a job wherever you want, to sleep with whomever you want, to party as late as you want, to discover yourself, to sleep with whomever you want…. Plus, do you really want pictures of your friends doing keg stands in your wedding album? I thought not.

7. Smoking: Mmmm tobacco. It feels so good when it hits (and consequently blackens) your lungs. Especially after you’ve had a few Rum and Diets. And you look so cool doing it. But you know what doesn’t feel good? Chemo. And you know what doesn’t look cool? Your wrinkley face or your kids stealing the pack from your tobacco stained purse and trying it for the first time. When they are 6. This sh*t will kill you, so stop it. Right now! Seriously, put down that Marlboro Light, sister.

and start planning!

5. Bad Credit: You can’t live without that Coach bag right now. You just have to have that DVF dress for the date party. Everyone else has an iPhone and you want one too. You’ll just charge it and worry about it later, right? Wrong, bitches. Ruining your credit now on stupid stuff (yes, I am telling you that bag is a stupid investment) will totally eff things up for you in the future. Things like getting a house, a car, a boyfriend (bad credit is a total turn-off) and sometimes even a job. Spend wisely, ladies. That bag is going to be out of style in .25 seconds anyway.

4. Not finishing school: Do we really even need to mention this one? Could you think of anything you’d regret more when you are 40 and working the checkout lane at your neighborhood Wal-mart? That is, assuming, you can even get that job in this economy.

3. Pre-vacation tanning: You tell yourself that you just want to get a base tan before Spring Break in Cabo. Sure, you will look fiiiine in that white shift dress for the 6 days after you return, but that wrinkley, skin cancer-ed mess is not going to look so hot when you’re 40 and you look like a Sharpei.

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(Editor’s note: I was going to put a picture of a gross foot here, but you Google “gross feet in sandals” and tell me how it makes you feel.)

1. “It feels better without condoms” sex: You’ll probably regret this one right off the bat as you spend your senior year chasing a kid around the dorms, but you’ll seriously regret it later when you look back at your life and realize how much you missed out on because you were busy changing diapers and bouncing a kid on your knee. Oh, and no one likes a woman with a bumpy vagina. I’m just sayin’; those genital warts will never go away.