Here l am talking about the things you did that caused you a negative change in your life forever and it's very difficult or impossible to reverse that. For me was the fact of not accepting to take the course that my parents advised me to.
It's not late because financial experts said you can even start investing and saving now. It's not a contest though deemed necessary but we have priorities.To be honest, I have made a lot of bad decisions in my life and I am not proud of them. LOL. One of these is not saving or investing early.