This has always been a big problem for me as well.
Always had big dreams that seemed attainable to me but
really never where due to finances or the bipolar or commitments or whatever.
Bad decisions have ruled my life. At the age of 50-51 is when it all finally
came crashing down around me. The only good part is my children where already
young adults so it didn't damage their lives to much. (I hope)
Now I have to take life one day at a time and I find I still can make pretty bad decisions
if I don't have a little help. Luckily for me I now have a very understanding girlfriend
who tries very hard to help with any issues. One day at a time now is the only way.