Nearly everyone, by the time they die, feels they wasted their life, regretting that they never pursued what they wanted or should have done.

The market throws a 34567, but you should have been collecting your cards three years ago so that by now you’d have a 45678 ready to play. The question is, would you have collected those cards back then? No, just like you didn’t study properly when you were younger. You only realize the value of studying hard after you graduate and can’t find a job.
You only start panicking when the market actually throws a 34567, wondering why on earth you don’t already have a 45678.