If you’ve ever looked back at a money decision and felt that familiar sting of regret, you’re not alone. Many people realise a little too late that small financial delays often snowball into much bigger problems. That quiet guilt you feel about not investing earlier or taking on the wrong EMI? It doesn’t sit still. It grows. And that’s exactly what CA Abhishek Walia, founder of Zactor, highlighted in a recent LinkedIn post that struck a nerve with thousands.

CA Abhishek Walia explained that when he asks clients about their biggest financial regret, the answers are surprisingly similar. Many people admit they rushed into buying a car, left their money idle in a savings account, or took personal loans just to maintain a lifestyle. Some never built credit in their twenties. Others waited until their thirties to start investing. These decisions don’t stay in the past. They compound into higher costs, lost opportunities, and more stress.

He pointed out that every year of waiting becomes a price you pay later. Just like money compounds when you invest, regret compounds when you delay action. But he also reminded readers that it takes only one strong decision to shift the entire direction of your finances. It could be starting a SIP, shutting down an unnecessary EMI, building an emergency fund, taking term insurance, or learning a skill that raises your earning power.



In his post, CA Abhishek Walia urged people to treat action as their biggest asset. Regret will always come with a cost, but a single step in the right direction can rewrite your financial story. The only real trap is waiting for that vague someday, because that’s where most people watch their wealth disappear.