Yep, I feel you completely. I watched and did nothing as I went from a few K to hundreds and then now a few K again. OH, I could have taken some of it out and paid of the house, sold all of it and bought back in cheaper and a hundreds times more, paid off my vehicle. But no. My inability to act eats at me as well.

It's interesting when we can be so incredibly decisive in some parts of our lives but be such wishy washy bitches in others. (speaking from experience) All we can do is move forward with today and make peace with the past. The future is now and it's our choices what we do with it.