Looking back, I am already in my "prime" 40s. For the underachievers in their FI journey, like me, looking back in my 20 odd years of working life, could life be different, due to choices we made. U bet? But I had no regrets. 1) Late 20s Starting work I married young. When I started work for 2 years, I got.married. I bought resale flat because I didn't want to wait for a unit. I got a car before 30. We gotten a baby just when I turned 30. Expenses were high. Savings were low to nothing. about 20 percent of my income went to my parents allowance. I got have give the car a miss, wait for BTO, but again, I am glad I provided convenience and comfort to my familiy. Yes, there were some quarrels over money, but those were short, and after we are aware of various concerns, we become more understanding of each other.  ...