As 2024 winds down, the majority of Americans are looking back on this year with a lot of financial regrets. According to a survey by NerdWallet, 69% of Americans say they regret some of the money decisions they made this year, primarily not saving enough for emergencies and financial goals. They say they spent too much on entertainment and not enough on planning for the future and improving their credit score. Gen Z is the most regretful generation, with 89% expressing financial regrets, followed by Millennials, Gen X and Baby Boomers.