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5. "Should have started saving earlier for retirement"
— Deborah J. Mitchell, a TV producer from Orlando, Florida

Money regret: "I started seriously saving in my 30s. I should have started in my 20s because time does make a difference with compounding and money adding up later in life. I didn’t realize the importance of saving money and how quickly time goes by.

Essential lesson: "Start saving even if it's a little bit. Start saving earlier."