Wisdom is never too early (or late) to apply

Some things that we wish we were taught or learned. Read the comments as well as there are some good points there too.
http://www.positivityblog.com/index.php/2008/04/02/16-things-i-wish-they-had-taught-me-in-school/

Question: Is it wisdom if you understand it but don't apply it?
Maybe all the difference is knowing these types of items on a level where you know and believe in them enough to apply them in day to day living.
It doesn't take a genius but it does take a a committed and persistent person.

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