<prompt> Human: 42 years old.As the New Year approaches Im saddened thinking of all my screw-ups.In my 20s I saved 10,000 in VWNFX, Vanguard fund, only to watch it not rise in value for the next 15 years. So I ended up messing with Options, got it as high as 30,000 then lost it all in the crashAt age 30 I got a government job and Ive been good about putting away 5 a year. Shifted money between funds trying to time the market, and now just sitting in the fixed rate, G, fund with 210,000Ive got 100,000 in equity in my home and 1 of my 2 cars paid for and no credit card debt.I know Im doing okay but I cant stop thinking of all my mistakes and how much more I should have.Am I being to hard on myself? Everyone here feels so much more disciplined.  <response>: You did make mistakes but you have money saved which and no CC debt which is better off that most Americans. 