In this reflective piece, the author ponders the notion of time passing and the defining moments that trigger this awareness in individuals, such as meeting old friends or hearing nostalgic songs. These instances evoke a shared sentiment of realizing that the years have slipped by unnoticed, a feeling that can be related to various life experiences. A crucial aspect highlighted is how these moments often lead to introspection about personal choices and regrets regarding the timing of decisions made in life.

The author shares insights from conversations had while assisting individuals with their financial planning, emphasizing a frequently heard phrase: \"I should have started earlier.\" Initially, the writer focused on the mathematical aspects of financial planning, delving into topics like returns, interest rates, and budgeting. However, with experience, it became clear that the emotional undertones of regret and the significance of timing often overshadow the numbers, indicating a deeper psychological connection to the planning process.

Ultimately, the message conveyed is that while financial calculations are essential, addressing emotional reflections on timing and life roles can lead to more meaningful discussions and decisions. Recognizing the importance of starting financial planning earlier can help individuals navigate the future with greater confidence, reducing future regrets about missed opportunities in achieving financial goals.