If I could go back in time, I would do a million things differently and have several million euros to show for it, but my own naivety, incompetence, financial illiteracy, impulse control and instant gratification mentality also may have played a "minor" role in the outcomes. — everyone one way or the other , at a particular point in time feel this way . It’s just normal to err as humans in the financial world which is normal , it becomes a big problem when one doesn’t learn from the already made mistakes..