Ever wonder what retired folks wish they could tell their 40-year-old selves? Turns out, most regrets aren’t about missed vacations—they’re about not saving enough, not learning how money works, and trying too hard to keep up with the Joneses. The big shift? Many thought Social Security would cover it all, but it barely pays the bills. Lesson: Start small, learn the basics, and don’t wait for a wake-up call. Your future self will thank you! #MoneyHacks #RetirementReady #LifeLessons #Finance