I'm 41 but still look like I'm 16.

If you're feeling bad about not having a lot of money, you're probably better off than me. I have zero dollars to my name and have to live with my mom. I've yet to meet a human being that's a bigger loser than me.
40 years old guy here from Indonesia (also still look younger than my age though). Still living with my parents. Basically a NEET (although occasionally helping my dad's financially struggling businesses). Also relating to OP, tbh I don't have any stream of income, so no matter how I've used to be quite privileged (or spoiled), soon or later my finance (savings) will be depleted & dry up to none. What's even more depressing is almost everybody have said to me that I'm very talented musically (I'm a musician too, although a failed one, sadly), had a lot of potentials, could even 'make it big' someday, etc etc etc. Well, in reality, here I am just a pathetic failure & nobody. My life is not even a joke anymore at this point, & not even a tragedy; it's just a ridiculously pointless, meaningless existence. I'm a waste of space that should not exist in this world but still exist anyway (also because there is still no easy & simple accessible method of ctb too).
Anyway, at least I know I'm not alone when seeing this thread/post & comments, knowing there are also some 40's years old people here (I used to think that I'm probably quite 'old' here compared to a lot of still young people here in this forum).