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4. "My ex-husband"
— Christy, a commercial real estate agent from Dallas

Money regret: "I was the breadwinner and my husband took care of the finances and did a lot of spending with it. I probably should have gotten involved more and not just trusted the fact that he was taking care of things, without realizing how much was going out the door."

Essential lesson: "Keep on top of your finances. Don't trust someone you think is taking care of your finances. Just have some knowledge as to what's going on."