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3. "Not buying a three-bedroom apartment in 1977 in the Upper West Side for $33K"
— Adriana, a financial adviser from Toronto

Money regret: "The money was in the bank because we would rather have the money in the bank than spend it on something silly like this."

Essential lesson: "To my child, I say 'Listen to your mother when your mother says a very smart way to spend your money is to buy real estate.'"