Today's Link is a little different. It isn't a thread, but eather, a particular post of immense meaning. Rollo Tomassi
deserves a great round of applause for this post.
Between knowing what needs to be done and actually doing it is a huge gulf - this is the Abyss - and this is what you have to cross. The Chinese have an old proverb that asks "when is the best time to plant a tree? 30 years ago. When is the next best time? Now."
If not now, then when? You've got a laundry list of problems to solve for yourself and in all honesty you know exactly how to solve them. The question isn't 'how', but 'when' will you do this. You've chosen now, so do it.
Your flaws are the result of years of apathy and habitual behavior. You don't need to analyze the source of these, you already know what they are. Don't go back to these sources, don't rewind the same song to hear it again. Remember this:
You will only get what you have gotten if you keep doing what you have done.