Many of us look back at those wasted years of our youth and wish we had done at least a few things differently. That’s been proven in a recent survey by Allianz Life Insurance Co., which said 32 percent of those polled say they regret major life choices. The biggest regrets were not following their dreams (39 percent), not taking more risks with their careers (38 percent) and not taking risks with their lives in general (36 percent). But there is another big regret that many people have, and that’s that they did not do enough to prepare for retirement.