I'm 38 and feeling like a loser. Over the past 3 years I tried to build my own startup and burned through $100K of personal savings. Before that I worked at consulting jobs and saved up a bunch of money then quit to mope around for 6 months at a time before starting a new gig. At this point I "only" have $200K and retirement seems another brutal 25 years away. Financial advisors say you need 2M to retire in the US - I just don't feel like I can reach that amount.

I know I'm better off than a lot of people and I can still do consulting, but I just feel like I've wasted my time trying to build a company instead of just building a nest egg.