"Nick. You know that there are friends, people, life, love, gfs... You gotta enjoy life" told my manager and "Study, study and study, dear. You don't want to end up like me" told an old lady at the flower factory where I worked part time.
Those words struck my mind...
on a side note: How do you put a price on happiness? How do you put a price on regret? Only you can answer those questions! Everyone has a different risk threshold and amount they are willing to sacrifice......... You only live once no redos ya know