Maybe I should have saved more, maybe I should have bought a house when I had the opportunity, there are lots of things that if I had chosen to do them in the past they would have changed my present. Thankfully, I am okay with my present and know that it isn't too late to take a leap of faith and take risks.
"The best time to plant a tree was 20 years ago. The second best time is now." Chinese Proverb