In a Reddit discussion, people in their mid-30s shared financial regrets, like not saving for retirement early enough, cashing out 401(k)s, and playing it too safe with investments. Debt, bad relationships, lifestyle inflation, and missed opportunities were also common themes. Many wished they had started saving and investing earlier to avoid setbacks later.

Some regretted being too frugal or focused on work in their 20s, while others shared how financial stress in their 20s snowballed into long-term setbacks. One tool available now for people earning $100,000 or more is Domain Money, a personalized financial planning service offering free strategy sessions to make smarter money decisions.

The consensus was clear: time is money, and the energy and stamina to make up for lost time diminish as you get older. It’s never too late to start saving and investing wisely to avoid financial regrets down the road.

Read more at Yahoo Finance: From Avoiding Risk To Racking Up Debt, People In Their Mid-30s Open Up About Their Financial Mistakes And Regrets. ‘Time Really Is Money’