Pennsylvania – Wish you’d done something different when it comes to money? You’re not alone. More than three-quarters of Americans have some kind of financial regret.

“It’s not debt. More often, people are regretful that they didn’t start saving for retirement soon enough or that they don’t have enough saved for emergencies.”

Bankrate’s Greg McBride on a new survey. The good news… in many cases, you can change that.

“Set up a direct deposit from your paycheck into a dedicated savings account for those emergency expenses, participate in your employer-sponsored retirement plan, or have an automatic deduction that goes into an IRA.”

In other words, pay yourself first.