I started @ 63 but I've got the military pension, Va comp and a 401 stipend as well (and the 401 is steadily climbing).
I'm making more now than when I was working.
I shoulda done this a few years earlier.
I have a tough time identifying with most if not all of those regrets.
I lived my life how I wanted (sometimes edging in to grey area of the law), and overall am very satisfied in retirement.
I'm going flyfishing now!