你的人生中最后悔的事是什么？

Here are some of the most common regrets people in their 40s feel, with insight from experts in finance, wellness, psychology.

本文列出了人们在40岁时最后悔的事情，以及金融、健康、心理学等方面专家给出的见解。

Worried too much

"When you reach 40, you realize that most of the stress and worry of your youth never panned out," says David Bennett, a certified counselor, relationship expert and co-author of seven self-help books.

“当你四十岁的时候，你会意识到你年轻时的压力和忧虑都不是大事，”大卫•贝内特，一位获得认证的顾问、关系专家、七本自我帮助类书籍的合著者，如是称。

"That girl or guy who rejected you? That one job that didn't work out? The bill that didn't get paid on time? The class you got a C in? Those weren't worth the hours and days of worry."

“给你发好人卡的那个女生（男生）？工作进展不顺利？没准时收到工资？有一门课吃了C？那些统统不值得你整天焦虑满满。”

Lending

While worrying too much can be a regret, when it comes to lending, it is wise to exercise a bit of caution. Lending too much money or to the wrong person is a regret that is likely to bite you as you get older.

虽然过于焦虑可能会让你后悔，但在借钱方面，谨慎行事是明智之举。 借出去太多钱或者借给错误的人是一种遗憾。随着年龄增长，这种习惯可能会真正地伤害到你。

"Lending people money is a pretty obvious risk," says Alayna Pehrson, who oversees financial blogs on credit repair and identity theft for BestCompany.com. "The person you lend money to may never repay you may pay you back later than expected or may keep asking you to lend them money over and over again."

“借钱出去是很有风险的，” 在BestCompany.com负责监管金融博客的信用修复和身份盗刷的阿莱娜•皮尔逊称。“借钱的人可能永远都不会还钱，也能可能在很久以后才还钱，还有可能一次又一次找你借钱。”

Ignoring your credit score

It's easy to forget about your credit score as it doesn't have a major impact on your day-to-day life — until you're trying to make a big financial move like buying a car or home or even applying for a credit card, and it becomes clear that you should have given it more thought.

你很容易忘记自己的信用评分，因为它其实对你的日常生活没有太大影响。但当你想要安排一个大额支出，比如买车或买房、甚至申请信用卡时，你就会意识到信用评分的重要性了。显然，你平时要多注意一下信用分。

Going out to eat too much

A nice meal out is one of life's great joys, but when it becomes a daily habit, it not only makes it less special, but will fritter away your savings on forgettable, transitory things. Holly Weidman, a personal finance expert, points out that Americans spent $745.61 billion on food and drinks at restaurants in 2017.

外出享受美食是最大的人生乐事之一，但当它成为一种日常习惯时，不仅会使外出就餐变得不那么特别，还会把你的积蓄浪费在记不住的短暂事情上。个人理财专家霍利•魏德曼指出，2017年美国人在外就餐花费了7456.1亿美元。

"This is, of course, taking away from other interests and most people wish they could travel more," she says. "So, consider whether you could cut out some meals out to save towards your dream vacation or maybe try meal planning like we did. We have saved over $4,500 a year just by using a meal planning system that works."

她说：“这当然就限制了其它支出。大多数人希望他们可以有更多的旅行。”“所以，需要考虑一下，你是否可以减少一些餐饮消费来实现梦想的假期，或者可以尝试像我们一样制定用餐计划。仅仅通过制定系统有效的膳食计划，我们每年节省了超过4500美元。”

Not spending time with friends and family

"Chasing money in our 20s and 30s can lead to grief build up in our 40s as we spend more time reflecting and contemplating on the past," according to The Om Couple, self-improvement experts.

“在20多岁和30多岁时只顾着挣钱，可能会导致我们40多岁时有点悲伤。因为我们40多岁时，花了更多时间去反思和思考过去，” 自我改善专家The Om Couple表示。

"We can't get back our time, and this lifetime is not a rehearsal. Spend time, not money."

“我们无法回到过去，人的一生从来没有彩排。花更多的时间（陪家人和朋友），而不是钱。

Not building connections with extended family

Failing to deepen connections to extended family members is something many people do as they are so busy with everything else in their lives — until we realize it's too late.

许多人与家族成员关系不够亲密，他们常常忙于生活中的其它事情——直到某一天意识到为时已晚。

"Our nephews and nieces are suddenly all grown up, our grandparents passed away and our parents are beginning to forget things," says Milana Perepyolkina, author of Gypsy Energy Secret. "If we kept the connection strong in our 30s, we would find a bigger circle of people who love and care about us in our 40s."

“我们的侄子和侄女突然之间就长大了，祖父母已经去世了，父母开始有点健忘了，”《吉普赛能量的秘密》作者米拉娜•佩雷奥尔基纳说。“如果我们在30多岁时，就与大家庭里的成员保持良好的联系，我们在40多岁时，就会有更多的人爱我们并关心我们。”

Not learning another language

"People in their 40s have more time and money to travel," Perepyolkina points out. "It would be nice to chat with a local shaman in Peru in Spanish or order a dessert in Paris in French."

“40多岁的人有更多的时间和金钱去享受旅程，” 佩雷奥尔基纳指出。“用西班牙语与秘鲁当地萨满聊天，或者用法语在巴黎订一份甜点，多好。”

Not reading more

Reading can nourish your mind and have long-term benefits, but many people do less or stop doing altogether once they are out of college.

阅读可以丰富你的思想并且能够带来长远的益处，但许多人在大学毕业后就很少看书或基本不看书。

Letting your mind drift into another world or learning a new subject keeps your mind active.

让你的思想意识来到另一个世界，或了解一个新的领域让你的思想活跃起来。

Worrying about what people think

"People realize they've spent so much time prior to their 40s worrying what people think and people pleasing instead of being authentically themselves," add The Om Couple.

“人们意识到他们在40多岁之前，花了很多时间来担心别人的想法，取悦他人，而不是真正地做自己，”The Om Couple说。

By the time you're in your 40s, you realize that the opinions of others don't have much relevance to your long-term life satisfaction and letting this shape your life decisions is a big mistake.

当你40多岁时，你会意识到“别人怎么看”与你的长久生活满意度并没有多大关系。让别人的看法影响你的人生决定是一个重大错误。