20/20 is hindsight, isn’t it? You may say “If only I had done this” or “If only I had done that” when thinking about improving your life circumstances.
Sometimes it makes sense to do something, and sometimes it makes sense to hold off. How do you ever know what to do?
Many times, we do things out of habit without any consideration as to what the consequences may be. You can always learn from the consequences of your last actions and try again. You’re still in the game.
The truth is that now is always the time you can do something differently.