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Forget frosted tips and questionable hookups, this solo episode of Hot Flashbacks is serving up some REAL talk for my 20-year-old self.  Get ready for a hilarious (and slightly terrifying) glimpse into the future where wrinkles and retirement savings reign supreme.  I'm spilling the tea on why sunscreen is your BFF and how to avoid becoming a financial hot mess.  Consider this your crash course in adulting, with a side of "I told you so."