I cant even last two days, now that im retired. I used to be great at work, or in school, but now im just burnt out.

But i always needed a deadline to get stuff done outside of work. Like, the house didnt get cleaned unlesz company was coming, stuff like that.

I would suggest, from my own experience, fear of commitment, fear of failure, fear of success. How devoted do you feel to your goals? Wishy-washy, or would you die for them? Working towards a goal you love seems like a luxury to people who just have to work for a living and are pushed to get a job and become independent of parents asap.