It's not the lack of HRT I regret so much as the lack of self-acceptance.
I've severely mistreated my "Self" in this process, by denying who and what I am and pretending to be something I'm not, that's what I regret.

I'm not yet to HRT nor do I think I'm 'late' exactly, but I do often feel bummed out about having to go through my childhood and teenage years as a 'girl'. So while I've got my whole life ahead of me, and hopefully I'll be able to transition soon, I still hate watching the years go by.

Hey don't feel bad, I've been considering this on and off and I'm 24. And even more so I like being both boy and girl so...