Money College: Fabulous beer, wine, coffee and chocolate on a budget

One of the most common things you'll find yourself saying as you get older is "If only I knew then what I know now."

It's so easy to look back at situations through the rear view mirror: You can imagine your suave and sophisticated college self utterly dominating the social scene at your high school. Going back even further, you could take the advanced understanding of human psychology that you have now, and you could have absolutely ruled that kindergarten, all year long, from your secure position in your fortified playground fortress.

Which is where the chocolate comes in. But more on that in a sec.