A day late and a dollar short - A phrase for people who wait too long and end up with nothin

A phrase for people who wait too long and end up with nothing but a bad decision and a lower paycheck.

I waited for the sale but ended up buying something I didn't need. I was a day late and a dollar short.

My brother waited for his chance at a promotion and missed it. He was a day late and a dollar short.

I waited for the bus and ended up sprinting to work. I was a day late and a dollar short.