I think the problem you are having is related how you perceive yourself - your positive self-image has been destroyed and replaced with a negative self-image. Please read Psycho-Cybernetics by Dr. Maxwell Maltz. It is a fundamental life-changer that posits our actions and thoughts are a result of how we perceive ourselves, and that this perception is the result of our upbringing and experiences. This isn't just a self-help book. It is the grand-daddy of all books ever written that attempt to build a construct around the most complicated thing in the universe. I'd go so far as to say that book is the foundation for two generations of therapists and self-help personalities. I'm over-simplifying it, of course. Read it. If does nothing else for you, the epiphanies it creates will be satisfying and give you a much-needed perspective, for it seems obvious to me that your problem is mostly related to your mindset.
It is never too late to achieve any goal or dream so long as you are still willing to chase them. Many people don't start a family until they are in their 40s. Some of the most successful businesses were started later in life. Some people don't find happiness (true happiness) until their 60's. This is life. Its different for everyone and there is barely any reason to it so don't try to understand or deconstruct it. Know thyself and nothing more.
I was foolishly trying to find happiness in work or in the many companies I started; even if some were successful, it was all empty until I became aware of meaningless things. I didn't start a family until 38 and didn't find true happiness and real purpose until the moment my first child was born. In my view, this is the meaning of life. If humanity exists for a singular purpose, it is to have children. That doesn't mean you have no purpose if you, by choice or circumstance, have no children. Many people find purpose outside of our natural purpose.
Absent of that experience, the focus should be self-improvement in the areas of mind, body and soul. Improve yourself and others will gravitate to you. Inside of all of us there is a light. Let your light shine. Your light unconsciously gives other people permission to shine.
Ideas for entrepreneurial projects do not come from within. They come from outside and concern themselves with the needs, desires, and pains of others. If you try to sit around and think of them, you will not discover them. You need to look outside of the box, start with a customer in mind and work your way backwards through who they are, what they struggle with, and what they say to themselves about it (internal dialogue - the key to most any business is to get in between the conversation that takes place inside of the customer's head.)
Lastly, if you ever wanted to just talk, I'm a great listener. Good luck to you.