It's ungrateful to be wishing you were doing something else at the moment you are living. You haven't lived in the moment that you are really living, you are wishing you were somewhere else.
I am quite a spendthrift but just being careful because my family was not rich, was not a rich family.
I really don't think life is about the I-could-have-beens. Life is only about the I-tried-to-do. I don't mind the failure but I can't imagine that I'd forgive myself if I didn't try.