Well done mate. I think the hardest thing for people realistically is to admit fault, and they have made a mistake. You've accepted you were the problem, not blamed the world, and over the years in my own personal development, investing, real estate and small business etc. I had not experienced so much personal growth until i accepted things like this, I was actually to blame, not the economy, not my circumstances, but myself. Well done and wish you a prosperous future. If you are an entrepreneurial person, its important to identify this as early as possible, i had run several businesses before i actually knew the meaning of the world. I then was able to understand my personality better and why i did the strange things that nobody else was prepared to do. You'll find this is the case often.