Sliding Doors moment ruined my life

In 2006 I applied for what I considered to be the perfect graduate scheme for me. It closely aligned with my skills and interests paying £25k a year going up to £40k once the graduate training period was over. 

No other jobs looked any near as good but I ended up compromising by taking jobs I didn't really want because they were better than what I'd done before. I didn't start making £25k until 2011 and £40k until 2017.

Had I got that job in 2006 I would have bought a property soon after and then got married and had kids. I delayed all that to get my career off the ground by which point it was a time you had to save a deposit whilst contending with extortionate rents and property price increases. My property would have cost £130k in 2006, in 2017 it cost £275k. I did get married before that but am still child free because we can't afford it. If we had a child in say 2007 they'd be finishing school this summer and I'd have being a grandad to look forward to.

I've hated all the jobs I've had. They've always been a compromise and I've not even had an interview for 99% of the jobs I've genuinely wanted. I'm also not getting any younger and don't know what to do next.

My friend who is the same age as me managed to buy a property in 2007 for £235k. It's now worth £500k and he now rents it out and bought a big house in the country for £550k. Once his mortgage is paid off he'll be a millionaire. That could have been me had I got my job in 2006 but instead I'm stuck between a rock and a hard place with no prospect of being a millionaire.

What do I do?
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Comments

  • baser999
    baser999 Posts: 1,237 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I’ve been retired two years now and think ‘what if’ on many occasions, especially when it comes to academic failure. I spent my last 20 years in NHS, so never going to be a millionaire Rodney, am now receiving a pension and took a lump sum sufficient to clear the mortgage. 
    ‘If only’ is too late now, but I own my house, support myself and partner, which in the present climate is enough to ask. 
  • ACG
    ACG Posts: 24,395 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    edited 27 June 2023 at 4:46PM
    You might have also met the wrong woman, had a kid together split up and she turns into a psycho who wont let you see your kid and tells that you were a terrible father so they grow up and resent you and also been made redundant during the credit crunch. 

    You may have also been run over by a bus or something. 

    You cant look back at the last 17 years with regrets. I am sure we all have regrets and/or things we would change but you seem to be dwelling on them a bit too much. 

    What are you? early to mid 30s? You sound like you are a couple of years younger than me. 
    You have a decent paying job by the sounds of it and no commitments. Go travelling or get saving. You missed the boat last time but there is potentially going to be a house price drop this year/next, get yourself in the best possible position to take advantage of it. 

    I bought my first home in 2012, house prices were still low following the 2007 recession and I bought a doer upper (it was all I could afford), by the time I had done it up house prices had jumped a fair bit. Between those 2 things and the fact I had also paid the mortgage down it put me in a good position to buy the family home. 

    Stop mopeing and get yourself ready for whatever the next opportunity is. 
     
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Potbellypig
    Potbellypig Posts: 791 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    ''We choose our joys and sorrows long before we experience them''
    Khalil Gibran
  • Marcon
    Marcon Posts: 13,715 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Combo Breaker
    I appreciate you're not in a great place mentally or any other way right now, but very many people have found this genuinely helpful reading: https://www.amazon.co.uk/Who-Moved-My-Cheese-Amazing/dp/0091816971
    Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!  
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