It's an amazing statistic that, on average, a person will try and fail at achieving a goal less than one time. That means that an enormous amount of time no action is ever taken to even make a goal possible. They key word there is "action", because unless you do something to move you towards a goal, it is only a wish.
Though you may or may not actually say the words "what if?", everyone occasionally wonders about some of the countless decisions you didn't make. I'm not talking about the less significant ones like "What if I had worn that blue shirt yesterday?' or "What if I had ordered a latte instead of a cappuccino?". No, in the grand scheme of things those likely didn't throw you too far in one direction or another. Now, some other ones such as "What if I had gotten to work on time?" or "What if I had asked someone else out instead of her?" might have had a much greater impact. Nevertheless, it is human nature to pause at certain times to think "What if?".