I completely understand your plight. Missed opportunities are a big bummer for almost everyone here. I had opportunities to invest in Ethereum back in 2015 and I even had visions of it hitting $1000 each. I had the chance to buy 10,000 of them. Now, not only did they go to $1000, they went to well over $5000. Imagine that. I still think about it, but I can't live like that and neither should you.
Life has a funny way of twisting things up and providing a bizarre view of ourselves and apparently our failures. I've been through many of these failures. The thing that hit the most was a health problem. Financial problems are there but they don't bother me.
If this was your health that you fucked up on I could empathize on an even deeper level - I made the worst mistake of my time here on Earth by getting the Pfizer booster shot which I strongly suspect fucked up my hearing much further (it wasn't too bad before it started distorting but I have a good idea when it must have started - probably after that "ping" in my left ear that lasted a few seconds, this coming just days after my booster, I know what the fuck it was and I won't deny it now). I should have tested my hearing, realized it was distorted, and gone straight onto steroids and pentoxifylline because I had bottles of the stuff plus Valtrex - I had the Holy Trinity to treat sudden hearing changes). I thought it would go away but it didn't. I noticed new distortions coming on as time progressed. I should have acted but didn't. Now my life is over, literally in my early 40s. After much introspection, I decided to terminate my existence.
I honest to God wish money was my only problem. Holy shit, it isn't even fucking 1% of my problems now. Facing suicide at the end of 2024 - that's how long I'm giving this distorted hearing to recover - it probably won't recover, hence me writing up a will and having it verified and signed off by a lawyer, so my assets can go to anti-animal cruelty organizations. My sisters won't get a cent of this money. They've always scolded me about my decision to end it yet they haven't got a scant fucking clue what is like to live with autism and have your only fucking coping mechanism taken away from you, hence they don't deserve any.
I wish I had your problems because I know that, while it would be difficult and I'd feel like a complete ass in that situation, I would persevere, even if it took all of my wills. Financial problems are probably temporary.
But my messed up hearing is something that I KNOW I won't live with, and I will secure the means to handle this painlessly. My sisters will get plenty of money from nan when she goes, they'll probably get $350k each. They would of gotten $250k each, but because I won't be in the picture, they will boot that up to $100k extra. Not bad, they could probably buy a house outright if house prices keep crashing, which I believe they will due to major interest rate rises. I'd say back to 2005 is possible. If I am still around when I inherit my share, again, that will go to the anti-animal cruelty organizations. The good ones and these aren't well known but they don't fuck around and they have a powerful lobby that has the ear of the government here in Australia. They have political connections but are seriously underfunded, unlike the RSPCA. I will throw them $300k when I pass at the end of 2024.
I made the decision to end it for good reasons.
BUT, I think you have plenty of time to make things right. You probably still have your health or at least most of it. Your hearing is probably fine and you can enjoy music without every sound having tiny bells or the tapping of wine glasses or sizzling bacon layered on top of it and mixed throughout the music, making it sound like total crap. You probably don't have autism either, so these are a big plus in your favor.
I wish I could help you money-wise, but you need to realize that money isn't everything. I found that out very recently, and I am sure that one day you will too, and you will look back on this and think to yourself "why did I worry about money so much". Believe me, I've been there and it isn't so pretty. But now a much, much, much bigger problem has emerged - and, like you, it was one that I was responsible for, my own damned fault, and it has changed my perspective entirely. Yes, I do intend to take my life in 2 years, that's a given. There is no denying it at this point, my life is over. I am almost certain my problem is permanent and I believe my solution will be too. But I think you should really think about what you are doing and what you really want in this life. The world doesn't owe us a damned thing, and by necessity, we have to invent our own lives and forge our own identities, no matter how oppressive or how much the odds seem stacked against us.
I hope you can understand, but I feel you have a lot going for you, and you apparently still have your health, your senses intact and undamaged, and with some hope for the future. I wish you the best. I know you can push through this, and find some semblance of a decent life.