You could have been richer if you hadn't spent S$340,000 on a BMW 335i convertible, when you could get the same car for 1/5 the price in the US.
You could have been richer if you hadn't wasted circa 3 years of your life slaving in the army for a pittance.
You could have been richer if you had a productive labour force to tap into instead of the current one that excels at nothing but regurgitation and drudgery.