Turning 35 was a sobering moment. As I reflected on my life, I couldn't help but acknowledge some significant financial missteps. Like many others, I succumbed to the allure of instant gratification, peer pressure, and impulsive spending. The Cost of Procrastination One of my biggest regrets is not prioritizing saving early on. I could have significantly accelerated my financial progress through the power of compound interest. By delaying my savings journey, I missed out on valuable opportunities to build an emergency fund, invest in the stock market, and secure my financial future. The High Price of Impulsive Decisions Another regret is my impulsive decision to purchase a house and a car. While these assets can be valuable, they also come with significant financial burdens. The monthly mortgage and car payments have drained my resources, hindering my ability to save and invest. I should have carefully weighed the pros and cons of these purchases and considered the long-t...