If you're fucked up right now, take responsibility for being where you are. Blame yourself for not investing the extra money you were making. Don't act like you're a victim of forces out of your control. Let that feeling of regret really sink in right now.
Because in the foreseeable future, things will turn around and get better. And that feeling of hopelessness that you're feeling right now will carry on and prevent you from making the same mistakes again.