Coaching practices for The Regret of the Dying on a Budget

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Does this sound like the set of challenges you might be facing?

  • I keep telling myself family comes first, but when I actually look at where my hours went this week it’s almost all work
  • I’m sitting on a real chance to do something that matters to me, and the safe, comfortable, convenient choice is quietly winning by default
  • I’m stuck on a real decision and lost in the noise of it, and I want to step back and ask how the version of me at the very end of life would see this
  • All I can feel is how much I’ll regret wasting everything I’ve already put in if I stop
  • I keep buying things I’m quietly disappointed by a few weeks later, the same kinds of things over and over, and I’ve never actually tracked which purchases I regret

Practices that may help

  1. The Regret of the Dying
    Bronnie Ware, an Australian palliative care nurse, documented the most common regrets of dying patients in her book The Top Five Regrets of the Dying. The themes — especially living others’ expectations, working too hard, suppressing feelings, and neglecting friendships — are consistent with broader research on regret and well-being. The evidence is qualitative and self-reported; treat it as wisdom data, not clinical data.
  2. Audit work hours against your stated priorities
    Compare how you actually spend your time this week against what you say matters most.
    The Regret of the Dying
  3. Apply the deathbed test to current decisions
    When facing a trade-off, ask which option the future you will wish you had chosen.
    The Bucket List Method
  4. Use mortality salience to clarify what actually matters
    Regularly reflect on finitude — not to produce dread, but to sharpen the signal-to-noise ratio of your choices.
    The Regret of the Dying
  5. Use regret minimization as a forward-looking check
    At 80, which will you regret more — stopping now, or having continued into a deeper hole?
    The Sunk Cost Fallacy: Escaping Bad Investments
  6. Keep a spending regret log to calibrate future decisions
    Record which purchases you regret most — a short log reveals your personal creep pattern faster than any budget.
    Lifestyle Creep: Why Raises Don’t Make You Richer
  7. Cut costs mercilessly on things you don’t value
    Spend extravagantly on your priorities and ruthlessly eliminate the rest.
    Conscious Spending Plan, Made Practical
  8. Audit whether you are living your life or someone else’s
    Identify the places where your choices reflect others’ expectations rather than your own values.
    The Regret of the Dying
  9. Protect the 30% wants budget as a deliberate allocation
    Once the needs and savings are covered, the wants budget is yours to spend without guilt.
    The 50/30/20 Budget: A Simple Framework for Where Your Money Goes
  10. Project to age 80 and look back
    Ask which choice your 80-year-old self will least regret.
    The Regret-Minimization Framework

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