That’s the big financial mistake there without you even realising that. Been on exact same situation and it was never ending story until I put an end to it. Unless it’s really a life and death situation which they got themselves into debt.

Started my career at 2008 and up till 2018, 90% of my actions related to money were only regrets.

Long list: Getting 50k worth of car with 20k annual income, uncontrolled CC expenses, PLs, paying parents stupid debt, buying high rise for own stay in mid 20’s with out research location and developer, buying investment properties again without research, never learn about proper investing, selling bitcoins at dirt cheap price, buying unnecessary gadgets, and the list might go on.

However, during these 10 years period, I really focused on my career and able to get couple of very good hikes due to job hopping. When got my first kid at 2018, I got knock on the head.

Told myself, there no way I can undo what have been passed, but there is always a way to overcome the situation. Cut back to 2024, completely debt free except primary home and a car (which valued less than half of my current P.A), very decent investment portfolio, a good understanding on financial management and above all, have gratitude on the life lessons.

The reason I want to share this, there will be always those 2am thoughts about, “what if”, “would have”, “could have been”, etc.. These thoughts do more harm to mental health than the actual financial mistakes.

So let go the past and focus on future.. until Time Machine invented