You are the Result of your Choices

I have recently become fascinated with the show "Being Erica". If you have never heard of it, it is about a woman named Erica who is given opportunities to go back in time and relive situations that she has grown to regret. At the end of each show she reflects on the opportunity, and it seams (the show is only 3 episodes in) that her life isn't changing that much.

Anyway, I got yo thinking....

What choices have I made in my (financial) life that I regret and would change if I could?

I regret

1. Getting the second degree
2. Not fighting for the job I really wanted after I graduated with the first degree
3. My choice in career
4. Living off my credit cards in college

I try not to dwell on the past, what's done is done, but where is Doc Brown when you need him? (Back to the Future for those who didn't know)

So,

What would you change?