I wish time would slow down until I figured it out

I'm coming up on my 28th birthday and am having crazy terms with my 10-year reunion coming up. I feel like I have nothing to show for it. No career, no house, no fancy car or even a kid to show for it. It seems like the closer I get to my birthday (April 9) the more closed out I am getting. I have been watching these makeover shows where they come in and make over your life and make you a better version of yourself. New clothes, new room decor, new hair, but, who has money for all that. So I started to read and listen to podcast self-help books. Wake up early, eat breakfast, do some exercises, clean up, cook healthy and be happy. Is it really that easy? The more I listen it seems like the more I feel like maybe I'm not meant to be like "everyone else". Maybe I have to stick with being the 98% of the Americas where I don't live my life to the fullest potential and see the ultimate adventures. I don't have a talent, I don't have the confidence to even fake the funk.
Growing up little girls wanted to be models and lawyers and I wanted to be a housewife. The world of a young mind, I wish I could've kept that innocent mind, that love would pay my bills and educate my mind body and soul. Where do you go from here? I know I'm young and can do what I want but you can't travel the world broke and boujee. So, you get a lame ass job, to pay bills, paycheck to paycheck and never meet your goals.
I don't want to live like that I want to live wild and free and not so reserved. I want to be able to buy nice things and participate in activities a little girl from Alaska would have never even dreamed of.

BUT where do I start? Where I go?
Can someone help me? Guide me into a light. Give me a mini makeover for my life so I don't self-destruct.