Whaaa??? No one has entered yet? I'll take a stab.

1. I regret wasting way too much time in school, and not earning the degrees I was going for. I could have been in the job market so much sooner -- and not wasting money in tuition and books.

2. I regret not buying a house when I was young and had the opportunity to pay so little before real estate skyrocketed.

3. I regret not starting retirement savings until I was 38.

4. I regret spending so much on clothes when I was young. I didn't even consider secondhand clothing in those years -- and I had way too much. I especially regret a certain $200 red coat that I didn't wear much because it was too tight and too dressy.

5. I regret ever getting on the credit card merry-go-round. Nuff said.

6. I regret staying in jobs I didn't like, that didn't pay, that offered no upward mobility. Why was I so afraid?

7. I regret buying a house with only 10% down. I was afraid I would never have a house and sprang for a builder's deal.

8. I regret using money from my 403b for said down payment.

8. I regret all the "feel-good" spending I did after my divorce. It didn't really make me feel good, and I should have been building a foundation for my future.

9. I regret not getting interested in finances until my back was against the wall.

10. I regret not making saving a priority all my life.

I have heard others say, "I have no regrets." I say, I've had plenty. And boy, would I like to do some things over.

But I don't regret the relationships I have had, even failed ones, and I am very mindful that now I am in a good place in my life, and very grateful.