I'm sorry to tell you this but there are so many people out there who, in comparison to you, are intellectual minnows and yet they are able to accumulate vast sums of money. How does that make you feel?
Maybe you are operating under the false belief that you have to be really clever to make lots of money. It just isn't true. I guess you know of some people who cannot even string two intelligent sentences together and yet they make millions.
There are so many people who have a very limited education who are making so much money that it would make your head spin. So, how do they do it? Some of these people even hire people like you to do things for them that they know they simply cannot do for themselves. How is this possible?
These people all have one thing in common. The have this quality called determination. Determination will beat just about everything else including talent. Sure, you need a method - something that will produce the money when you apply effort. There is nothing that supersedes determination. With it you can do almost anything. Without it you can do virtually nothing.
Perhaps the best thing that you can do to set up you financial future is to admit to yourself that you could certainly do a lot better than your history shows. Yes. You can do better. You can do a LOT better.
It's NEVER too late to start afresh. Your financial fortune can turn around very quickly if you are prepared to take responsibility and seek some good unbiased advice. But... will you? Will your silly pride keep denying you? That is something for you to ponder upon.