The past is the past. I reflected on the past when I retired. LOTS of things I would have done differently. But you can't go back and relive what has already been done. If you do reflect on your past, try to reflect on the most pleasant and positive things, ignoring regrets or failures. Or, live in the present, and hopefully you've learned from your past what not to repeat, and if your lifestyle was less than what it should have been, live better! I would think that reflection is normal, and I doubt any (or many) of us led a "perfect" lifestyle. Have fun in retirement. You've got the rest of your life ahead of you. Make the best of it.