邓美娟

Life is filled with regrets. Ask anyone around you whattheir regrets are and they usually have no difficulty coming upwith many items on their "regret list". And for some reasonour twenties are ripe for a field of regrets.

Perhaps it' s because as we get older we look back onthat period of adulthood as the height of freedom andautonomy. As move into middle age， we look back and wishthat we had made better choices and taken moreopportunities. Here ' s a list of things that we regret not doingin our 20s.

人生總是充满遗憾。问问你周围的人他们有没有遗憾的事情，他们会轻而易举的列出一大堆“遗憾清单”。由于某些原因，20多岁是最容易犯错的年纪。

也许是因为随着年龄的增长，当我们再次回顾那段时光，会发现那是一段充满自由和独立的时光。随着我们步入中年，我们经常希望：要是我们能再有更多选择的机会多好啊！以下就列举了一些如果我们在20来岁没有做就会让我们后悔的事情：1. Travelling more

I regret not travelling more. and so does nearlyeveryone that I have asked. Before kids， and mortgages andmarriages， when our commitments and expenses werelower. the opportunities for travel were much greater. butfor some reason many of us thought we ' d always have timefor travel later.

We dreamed of visiting the pyramids of Egypt， surfingoff the Hawaiian coast. dining at a Parisian cafe， drinkingespresso in Rome， trekking through the rainforest. and somuch more. Sadly， many of us never made these journeysand the opportunity passed us by.

2. Investing early

How many times have we kicked ourselves for notstarting our 40IKs. in our twenties， for not putting our excesscash in long term investments. for not investing in our futureearly. No matter how much we try， we can never get backthe head start that we missed. Playing catch up in our 40' sand 50 ' s is very difficult.

3. Being more responsible with spending

In order to invest in our retirement or save for that downpayment， we would have needed to make wiser financialspending choices. Things like buying or holding on to thatperfectly reliable used car. instead of splurging on the newmodel...because we could， eating out less and saving for ahouse instead， buying fewer shoes and purses and clothesand paying off student loans sooner. So many savingopportunities lost， money spent on tangible things， insteadof on the future.

4. Better planning

I regret not focusing more on where l wanted to go inlife. what I wanted to do. who I wanted to be and what itwould take to get there. With some more planning in ourtwenties. we' d be further ahead in our 40s and perhaps a bithappier as well.1.多旅行

我后悔没有到更多的地方去旅行，而且几乎我问过的每个人都会这样说。在有孩子之前、在抵押贷款和结婚之前，在我们需要承担的责任和花销较少时，正是旅游的大好机，但是由于种种原因，我们总觉得我们以后会有更多的时间去旅行。

我们梦想过去埃及看金字塔，在夏威夷海边冲浪，在巴黎的咖啡馆共进晚餐，在罗马品尝香浓的咖啡，徒步穿越热带雨林等等诸如此类的计划。可悲的是，大部分人都没有付诸行动，只是看着机会白白溜走。 2.早投资 多少次回想我们都恨不得踢自己一脚：为什么不在20来岁就开始40IK（美国的一种养老金制度）计划，为什么没有将多余的现金用于长期投资，为什么没有早早的为我们未来投资。不管我们再怎么努力，错过的时光都不会重来了。等到我们四五十岁的时候再奋起直追已为时已晚了。

3.更合理地安排支出

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。