5. Being more responsible with spending更合理的安排支出
In order to invest in our retirement or save for that down payment, we would have needed to make wiser financial spending choices. Things like buying or holding on to that perfectly reliable used car, instead of splurging on the new model…because we could, eating out less and saving for a house instead, buying fewer shoes and purses and clothes and paying off student loans sooner. So many saving opportunities lost, money spent on tangible things, instead of on the future。为了退休后的投资或房子的首付，我们需要更合理的理财。比如说买一辆不错的二手车，而不是把钱浪费在新款车型上……我们也可以减少外出就餐，攒钱买房子，少买点鞋子和衣服，提前还清助学贷款。这么多的攒钱机会都错过了，我们用钱换来了很多实实在在的物品，却没有更多关注我们的未来。
6. Better planning更好的规划人生
I regret not focusing more on where I wanted to go in life, what I wanted to do, who I wanted to be and what it would take to get there. With some more planning in our twenties, we’d be further ahead in our 40s and perhaps a bit happier as well。我后悔我没有仔细思考我的人生道路，我想要做的事情，我想成为一个什么样的人以及如何才能实现。如果在20多岁的时候我们能更好的规划人生，我们在40多岁的时候就会更上一层楼，也许还会感觉到更幸福。
7. Seizing more experiences 更多的人生体验
I wish I had learned to ski and paint, speak Italian and do the Tango. I regret not living somewhere else before settling down. Others have said they regret not pursuing their hobbies or learning to sky dive or mountain climb. I prefer to stay on the ground, but I do regret not learning more, not trying new things that are hard to fit into the life of a forty something working wife and mother。我多希望我以前学会了滑雪、画画，会说意大利语，会跳探戈。我后悔在安定下来之前没有在别的地方生活过。很多人也都和我一样后悔没有持之以恒的培养自己的爱好，没有学跳伞，没有去爬山。我确实更喜欢务实，但也很后悔没有去学更多的东西，没有尝试新事物，这些事物已经无法再融入一个40岁的全职妻子加母亲的生活中了。
8. Living a more active lifestyle更积极向上的生活方式
The bodies of youth are wasted on the young… I wish I had run a marathon before my knees ached, that I had biked more, hiked more, and took spinning classes when my legs were stronger. I regret not joining a softball team or volleyball league. We don’t often realize that we have squandered our physical abilities until things start aching and creaking。年轻的时候，我们肆意的挥霍着我们的青春活力……我多想在我膝关节疼痛之前能跑场马拉松，多骑骑自行车、多走走看看，在腿脚强健的时候多骑骑动感单车。我后悔没有参加垒球社团或排球联盟。总是等到体力透支病痛来袭，我们才意识到年轻时锻炼的可贵。
