What advice you want to give for 21yr old

Fail forward as much possible before you turn 25.

everything can be made allright..so never lose hope

20's can be the best or the hardest moment of life. I believe the best advice would be, choose well the people who are surrounding you. They can either help you make great things or the contrary.

Skills depend on background / industry but learn to code even if you don’t need it. Re: Money - learn about personal finance (savings, investment, trading, retirement accounts etc) as these aren’t typically taught in schools. Follow what you are good at, it’ll work out.