 things in the place for myself and for my clients is to so that i'll never have to go back to where i was in two thousand nine in the ashes the financial ash heap at that time so that's what i regret not listening or recognizing that the greed factor that i was caught up in at the time that's an awesome answer i was expecting something it hurt big time one of the toughest times in my life because i was still paying tuition for three kids i will never go back to that again and you know what