What's your biggest financial regret?

Realising too late that those years in your twenties could have made a massive difference to your retirement pot. Compound interest is powerful, but only if you give it time.

That shiny new motor seemed like a good idea at the time, but the monthly payments and maintenance costs became a real drain on your finances.

Sticking with the same insurance, energy, or phone provider for years without checking if you could save hundreds elsewhere. Providers rely on inertia.

Whether you delayed saving or the market moved faster than expected, watching house prices climb while you weren't on the ladder is genuinely tough.

Those purchases felt manageable until the interest kicked in. Suddenly you're paying significantly more than the original price and it takes ages to clear.

Taking the initial salary without pushing back might have cost you thousands over your career. A little confidence in that conversation could have changed everything.

That sure-fire business idea seemed brilliant at the pub, but in reality, most new ventures fail. Lending money to friends rarely ends well.

One unexpected expense like a broken boiler or car repair forces you into overdraft or debt because you had no financial cushion. Lessons learnt the hard way.