How do you make up for lost years in terms of growing personally and professionally?

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I am 31F in IT field and single with very less savings. I feel like I am much behind my peers in terms of career/professional growth and didn’t use my 20s wisely even though I had the right opportunities at the right time. I felt a deluge of regret right now and a paralyzing fear for the lost time and my future. Have you ever felt the same feeling? How did you maximize your time and productivity and gains and start over? How did you make up for lost years in terms of growing your career? What do you do different?

I would appreciate some positivity and direction right now.

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