Sin Hang Lai, 33 Project manager Cos Cob, Connecticut
"When I quit my job in 2002, I converted my 401(k) into a IRA at a brokerage and left it in cash for the next seven years. I wish I had invested that money during the strong post-dotcom recovery. It wasn't until after 2008 that I thought about what to do with my savings, and then I stupidly tried to trade and lost money."
My fix: "I regret not having a personal finance education, either formally or through friends and family, so now I read, observe, and carefully manage my own money. I've opened a Roth IRA and an individual account I play with--I let myself get creative with that account."
