Feliz Cumpleanos! The regrets of "woulda shoulda coulda" in life usually start around age 25-26. Don't sweat it. It's all part of the current sextile period of the approaching Saturn return in a couple few years.
Now is a good time to start narrowing down your strengths and aspirations and usefulness to your world - a time to fine tune them or let them pass on- otherwise they usually just become baggage unopened after that - left to linger - while waiting for the Saturn opposition to make you feel really bad about yourself for letting them stick around and distract you for as long as they did.
Right! Time to prepare for giving it all you've got, and showing what you're made of.