Bravo! Planning your life in order to minimize deathbed regrets has always bothered me, because the nature of humanity is to want what it hasn't got. If you assume that, on average, people make correct decisions to work hard and pursue what matters to them at the opportunity cost of not enjoying quite enough free time, then their final wishes will naturally include the time they gave up to live the life they had. If, however, they had fully indulged the desire to enjoy and maximize free time, their wishes might instead have revolved around the unfulfilled potential thereby relinquished.

The problem, of course, is that the feeling of regret considers what may have been gained without reflecting on what would have been lost.

Now the right way to deal with this is some sort of self-consistent closure, where present you and past you with the same values and access to the same information (which could be anything from zero to complete knowledge of then-future outcomes and downstream effects) would make the same choices including both upside and downside. But that would be too complex for motivational advice, which is primarily about creating an inspirational mood, somewhat about positive first-order consequences, and not even a little bit about recursive self-consistency.