Same here. Mid thirties. Friends are running successful companies, making 6 figures, in early retirement. I'm still living in a small apartment struggling with a Swiss cheese resume.

My advice to others: don't think "I'm still young, there's still time." Push push push today! You will rapidly run out of time. All through my twenties I did various jobs, I thought that great software job was just around the corner. Turns out it's not that easy and when you're older people expect a lot more from you.