I regret not making time for my father/mother while they were alive and the situation as it was left (some of this is a consequence of the situation though). We tried with my mother but she had early onset Alzheimer’s so it was challenging to have any meaningful “intellectual” conversation with her. She still however retained her mothers heart and often when she heard my child crying (less than 1 year old) would try to sooth and comfort it even though it wasn’t even in the room. My father passed away suddenly from covid and the last phone call I had was him telling me how to do my mothers bed time routine from hospital. We had bought a large house together since it was requested by my mother, while she had some mental capacity, to never be in any “caring” facility. He couldn’t do it on his own so I ran the house and he was the primary carer. We were close but also not mega close due to the stress for him of caring for my mother and just our general none emotional mindsets. All in all, a generally tense arrangement as you can expect. In any case she ended up becoming incapable of eating and eventually drinking around the same time and passed away 3 weeks after my father at home.
All this to say, make time for your loved ones. Because you never know when that one conversation may be your last.
Saying this though life swings in roundabouts. I’m 33 and coasted through life. Living with parents made me, careerwise, complacent. My wife earned a little less than average wage, mine was a little over average but we had my parents pensions (mainly dad as he got a fair wack from US Social Securities) to supplement the house finances it so I never felt the need to push myself and money was fine. The sudden loss of that made me push myself. That year I got another job after being in my previous one for 8 years. Have had promotions since then and am earning over double vs that time. The mortgage will be paid off in 2 years. I just wish my father could have seen me change myself.
Having had this happen I’m acutely aware that **** happens and you might not even get to retire. So me and my wife are in the fortunate position that we have enough to spend travelling (the 3 year old has already been to Greece, Japan and Brasil). But also doing things like the NC500 and living out of our car/van for a week. Planning to go road tripping like that again into Europe. We do also save a lot into SIPPs just in case but if we do croak the boat early, it'll at least be life changing sums for our children to use.
Big props to my wife though, she met me after I had decided to live with my parents for my mums situation. This was a few years prior to them passing and was onboard with it for the long slog. I don't think i'd have coped at all without her and our child as they have been anchor points to keep my life grounded with purpose. So although i have regrets, i also feel incredibly lucky.