Where Am I Going?

I am reaching 40 soon and feel that I have not accomplished the things I wanted to in life. I am not nearly close to where I want to be. This is my 2nd marraige and I have no children yet (planning to), but many times I feel disillusioned with life and where I am, what I have accomplished thus far. We are a newly married couple , we cannot afford to buy our own home due to the strickt credit laws at banks, and most of the people my age have kids that are in their teens already. I feel like I am 'behind' in life so to speak. This could probably be because of bad choices and unforseen circumstances that led to this. Then again, what is normal these days anyway? We are accustomed to be boxed in...at a certain time you should have this, be married, have kids and so forth, and the moment you dont fit into the status quo you feel left outside alone. With the current economical issue facing millions, this makes me feel dispair and anxiety as well. I know I have a lot to be thankful for, but I cannot seem to shake the worries about what lies ahead.