[subject4056]

Beware survivor bias here. No-one regrets what they did well, but misses what they gave up to do well.

A very viable route is to spend the next 5 years maximizing your money and career. At 28 it is unlikely you'll regret options. (On that note, if you come from money, taking risks is the way to maximize your options).

I don't know if you have people (to talk to, rely upon, etc.). Most humans need to have people, if you don't have them then you should find some. In my experience this requires low level engagement over a long period of time, so there's no reason not to start early.