I kind of take issue with this question though. It's kind of like the suggestion to "live every day like it's your last", which is actually terrible advice. If today was my last day on earth, I'd use my credit to buy the fastest car that I could and drive it like a bat out of hell. While driving I'd snort some cocaine while chugging a Monster and vodka.
Who cares about screwing up your credit or the long term negative effects of drug use if it's your last day on earth?
I get the point though. It's about finding what's really important to you and persuing it, and I'm being too literal, lol.