What do I wish her on her 16th birthday? This would be best, I think: Learn to understand and practice the margin of safety. Of course, I borrow this from the world of Investing.
Margin of Safety is not about passively playing it safe. It is intensely active. It is not focusing on safety, which is the by product. It is about RISK!
Experience, which takes time and knowledge, which demands study is the time tested way to manage risk. This is not enough because sometime we have to throw caution to the wind, but a young person is not likely to be equipped to act correctly and wisely this way yet. What is needed is prayer and the God given faith that comes with it.