"I started out with nothing and still have most of that left"

I like that quotation. It's about me. It looks like I'll come to the retirement years without a lot. Well, actually with nothing. It scares me a bit. Not that much though. Eventually I have to leave the Earth and it does not matter if I have millions or nothing. You cannot take it with you on your last journey, I wish I could have something. Well, I wish I had something that I could leave to my children, in that case they do not have to be like me - poor. I do not like poverty. The hopelessness and helplessness of it. And everyday worry about money and things. I like nice things - furniture, jewelry, books with nice covers and golden letters on front cover. I would love to have a good library of my own with all best classics that I love but I know it's impossible unless I win a lottery. But for that you have at least to play it and I don't. I do not want to spend money I don't have on things that's impossible to attain. Or should I? Should I dream about impossible and try and against all odds go ahead and do crazy things? No, it is not me. I basically do not need a lot for myself, I just see that my kids are not trying to accomplish something, they are not that driven. And that scares me because I am not getting any younger. I've missed something important in my life. It was long ago and I do not remember what it was. I just know  that I would've done that when it was the right time, not now. Now it is too late, not for them (my kids) but for me. Now I have to live the way I can, not the way I want and that bugs me. May be I am wrong though. May be I still can try and live my life the way I want to. May be if I do, I am not going to feel sick and worried, and depressed. May be I'll be able to soar above mundane troubles and misgivings of my soul, and just feel alive - not like a dead tree in winter. I do not want to be that dead wood, seriously, I don't. I just don't know how to do that.
Recently I found out that my credit report is not as good as I expected and I owe somebody money, some rental place from like 5 years ago. We just could not sit there till the end of our lease and moved out early, month or two not much, but they put it to small claims court. Now I cannot expect any favours from any bank, I have to save my own money, I guess, because I cannot pay that debt and really don't want to kill myself over it. It's not worth it. I was wondering, is it possible to live in Canada and not to owe  somebody something? I thought I can, but looks like I cannot. I need a lot of stuff, I am postponing everything, all buying but for how long? Everything I earn goes for rent and food, and I do not want credit card debts, that's a murder for sure. Sometimes I think,"If I stayed in my old country, where would I be now?" Life consists of series of occasions, accidents, last minute decisions we knew nothing about an hour ago, so it's hard to predict, what's going to happen. Well, I still feel like I am on a platform waiting for my train to come, so I can go home. Where is that train?