Most of us end up feeling that "we are under achievers" because of always looking people ahead of us. Sometimes we made bad choices, sometimes we didn't even know all the choices, other times we didn't work hard enough there can be hundreds of explanations to where we are. But that doesn't help in deciding "where we want to go from now on". Infact the more you think about "what it could have been", the harder it becomes to answer the question "what it should be in future?"