for appointments, finals: at least like 45 minutes early. XD
I live pretty far from everything, so if there's traffic or something I wouldn't be late. even then I stress over it.
for casual meetings (with friends and all): usually 10 minutes early or right on time. I often just accidently get there early.
I used to arrive much earlier when meeting with friends though. x-x
as in +30 minutes.
I'm usually 10-20 minutes early for classes/school, but it's the opposite when I'm just going to hang out with friends (most of them show up at least 20 minutes later than me anyway).
It depends what it is.
For friends or for appointments I try to be early or on time, but family things I'm usually late 'cause they're also usually late lmao.
I put early but that really only applies to school and appointments. There have been several occasions that I've been late to things like parties and church get-togethers.
I'm generally way too cautious when it comes to classes/exams so I tend to get there really early. If it's like a party or something though I'm happy to be late however.