Isn't it amazing how much fun we have getting out of order when the going is good, when money is flowing, and when we don't have to rub two nickels to get a dime?  We flatter ourselves with "wants" that we convince ourselves we "need." 

Oh but when the going gets tough, can't we think of all things we could have done better?  Well guess what, you can and will do better!  Don't beat up on yourself.  Thank God for the lesson and do it better next time . . .