The document lists 9 ways people in their early 20s can screw up their future: 1) Only doing what others tell them without pursuing their own goals and interests. 2) Spending time only with the same people and not meeting new people or going outside their comfort zone. 3) Complaining constantly instead of taking personal responsibility and action. 4) Hanging out with negative people who will influence them negatively. 5) Not traveling and experiencing the world, which provides valuable learning and personal growth. 6) Seeking only immediate gratification without investing time in unpaid opportunities that provide long term benefits. 7) Not reading beyond textbooks and keeping up with how the world is changing. 8) Not taking risks or trying new things boldly