I think a lot of people worry about not having regrets. I've been thinking about this a lot lately too. I agree that sometimes sleeping is easier than participating. How can things get any worse while we're in la-la land, right?
Have you set specific goals? How will you know once you've reached them? What would it take for you to look back and have no regrets? Sometimes it helps to write things down, so you can look at it often and remember what you're working for. Hope this helps!