We all have regrets. I started HRT at 27, I had a chance to start at 24 but was too scared and didn't have the money. I am 39 now and am wondering why I did save for FFS years ago. Then again I always wish that I was 20 years old again.
Best we can do is plan for the future. We both need FFS, and when it happens I think both of our lives will change for the better.
Your right about latin america, it is a godsend. FFS is so cheap. Years ago I heard of people paying $100,000 for it and I thought, ->-bleeped-<- I will never afford that. But $13,500 US in Peru. Like WOW. It might take me a year to a year and a half to save for it, but that price is affordable.
But you know if I ever win big in the lotto, I think I would buy FFS for a few online friends. That would be fun. It would be a total party.