It turns out your 30s can hit harder than expected, especially when it comes to money. A recent discussion on Reddit revealed just how many people in their mid-30s are grappling with financial regrets, from missed investing opportunities to costly relationship decisions.

“Time Really Is Money” When It Comes To Regret

One of the biggest regrets? Not saving for retirement early enough. Dozens of commenters said they either cashed out their 401(k)s during job changes or contributed too little in their 20s.

“I didn't start until I was 34 because I had a low salary and no match, but I wish I would have contributed something,” one person admitted. “Now I'm trying to play catch-up.”

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“I started a 401(k) in my 20s but it had something like $4,000 in it because my income was so low,” another wrote. “When I changed jobs… I cashed out and paid the penalty thinking it was too small to matter.”

Others echoed this theme, calling it a harsh lesson in missed compounding. “Not starting to save earlier is a big one for me. Time really is money when it comes to investing,” said one commenter.

Playing it too safe was another thing people regretted. Many admitted they were too scared to invest or take risks, so they kept their money in savings accounts or low-return options. Years later, they realized they missed out on big gains.

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Why Lifestyle Choices Matter More Than You Think

Bad relationships came up frequently, too. Several people shared how marrying the wrong person or co-signing financial decisions with a partner resulted in major setbacks. “Regret going into debt for wedding and honeymoon and then divorcing but continuing to pay that debt,” one said.

Lifestyle inflation was also high on the list. “Buying too much materialistic crap to impress people” and maxing out budgets “because the salesperson says, ‘you can afford it'” were patterns many said held them back more than they realized. “It feels fine at the time,” one person said, “but leaves you stuck with no flexibility later.”

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Some even regretted being too frugal or too focused on work in their 20s. “Wouldn’t the opposite also be true for some? Going so hard in their 20s they regret missing a lot of life?” one commenter asked. The top response: “True for people who grind mindlessly with no end goal. Rarely true for people who grind intentionally for a clear payoff.”

Others shared how financial stress in their 20s snowballed into long-term setbacks. “Bad decisions made under pressure, debt accumulated to cover gaps, missed opportunities because cash flow was unpredictable,” one mid-30s person wrote. “The tools available now are different than they were 10-15 years ago.”

One tool now available to people in that exact income bracket is Domain Money, a personalized financial planning service designed for U.S. households earning $100,000 or more. Their certified professionals offer free strategy sessions to help people make smarter, more confident decisions about money, investing and long-term planning.

As one Redditor summed it up: “You can always make more money, but you don't have the energy or stamina at 40 to make up for lost time.”

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