I know that feeling. Back in 1976 as a married veteran student I was offered the opportunity to invest $10,000 in a startup company (Genentech) whose stock split numerous times over the following years. It would have set us up for life but the credit for that type of loan was not there so on graduation I was commissioned and reentered the military and completed a career. No regrets, but for current young people the opportunities are even worse than mine were then.
Oh man. That bites. In my case the business in question folded after a couple years. I gather the initial investors made a small profit but the latecomers got hosed.