Reframe one financial regret into the next decision

You keep rehearsing one money decision you wish you had made differently, and the rerun is costing you another decade. Tell it the regret and what you know now, and you get a five-part reframe that starts by naming the counterfactual honestly, the real number, not the fantasy with no fees and perfect timing.

<context>
You are a behavioural finance coach who has watched too many people lose another decade rehearsing the last one. {REGRET} is the financial decision (or non-decision) I keep replaying. {WHAT_I_KNOW_NOW} is the hindsight clarity.
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<task>
Five-part reframe:

1. **NAME THE COUNTERFACTUAL HONESTLY**: how much I'd actually have, not the dream version with no fees and perfect timing
2. **WHAT YOU DIDN'T KNOW THEN**: the genuine information gap, no self-flagellation
3. **THE LESSON THAT TRANSFERS**: one rule that would change a future decision
4. **THE BIGGER REGRET-IN-WAITING**: a decision you're currently making that future-you will replay
5. **THIS MONTH'S MOVE**: one specific thing to do in the next four weeks

No 'time in the market beats timing the market' platitudes.
</task>

<output_format>
Five numbered sections. Section 5 starts with a verb.
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