I don't have any substantial regrets, but it's possible that those will come with time. I sincerely wish that I could have made college work for me, but I think that I'd have to be a substantially different person for that to happen. One thing that I do regret is that I'm missing out on the opportunity to engage in academic research. I would like to try it, just to see what it's like, and I'm afraid that I might not have the opportunity without attending university.
As far as money goes, I made some cash from participating in Google's Summer of Code, but currently I'm not making any significant income and I'm living at home. I've got some projects that I'm working on and I've had a couple of interviews so, hopefully, I will soon be able to support myself, but not currently.
From what I can tell, knowing several who have earned or are pursuing PhDs, is that an academic career requires a long-term commitment and a willingness to do a lot of hard work for rewards that are a long ways off (and not guaranteed).
As far as money goes, I made some cash from participating in Google's Summer of Code, but currently I'm not making any significant income and I'm living at home. I've got some projects that I'm working on and I've had a couple of interviews so, hopefully, I will soon be able to support myself, but not currently.