When one point of savings you will feel regret saving money forever, are goals that you set. The money you save, it is no longer in use, and still further with you.
At one point of saving money. You will regret saving money at all. Then abandon the goals you set. The money you save can not be used. And also with you.
At one point of saving money. You will regret the money savings all along. To give up the goal you set. The money you savings is not used, and is still with you.