One of the signs of depression is brooding and ruminating about the past. It's impossible to create a new future by focusing on the past. I remember I invested too much money with a couple friends of mine and it was a decision I regret everyday. It took me a long time to get over it because I was focusing on that loss and brooding about it for months. It was the first thing I'd think about every morning, it would pepper my thoughts throughout the day and it would be the last thing I would think about before bed. I could have taken that time and instead invested it into something much more productive. By only focusing on the past, all it does is make the past decisions even more expensive.
Joanne Rowling, the author of the Harry Potter books had a similar type of experience. When she finished her first book she received a tremendous amount of success and attention. Normally that would be considered a good thing. However, because of all the attention she received, she wasn't able to write anymore. It was like she became shell shocked from the success.
Whether it's success or failure, it can be easy to get stunned by change and freeze like a deer in the headlights. One of the ways to get past that is to feel a strong sense of regret. Super strong.
Imagine living the same way for years, decades and then being a 95 year old person who hasn't made any progress ever since X happened. With all that regret imagine being that old person and looking back at your life. From that perspective in time and space, how does that make you feel? Now come back to the present.
Hello there! Do you still feel stuck and like wasting away time or do you feel much more compelled to get into action?
This is a mind strategy you can use whenever you find yourself stuck in the doldrums so that you can muster within yourself the energy to blast out of the shadows of depression and then use your time to make your impression.
As Jim Rohn said "There are two types of pain you will go through in life, the pain of discipline and the pain of regret. Discipline weighs ounces while regret weighs tonnes."
And now you have a strategy to pay the least amount with the most reward.