There is no such thing as 'too late' -- if you see things aren't going the way you want them to, put a stop to the progress. Even if you're not behind the wheel, you have every right to voice your opinion and suggest an alternate route. Starting today, you need to give yourself a lot more credit when it comes to business and financial matters. Although you certainly could use a stronger dose of willpower, you are on the right track. Don't let anyone tell you otherwise.