From Ms. Liz Money Matters …
Sometimes, I wish I would have done it earlier.
We could have been more frugal. We could have skipped the new cars, the stupid big home, the vacation home, boat and some expensive hobbies and travels.
I could have been better at chasing money–taking jobs I would have enjoyed less but for more money.
We could have retired as soon as we reached 25x our annual spend. Depending completely on the math behind the 4% rule.
Other times, I think I did it just right.