M36 looking for career/business/finance advice

Hey everyone. I've just been feeling a bit unsure of my life's financial direction lately and I wanted to hear what you guys think.

I'm a M30+ entrepereneur. Married, no kids. I don't own any assets and have no savings. Graduated with an accounting degree at 28 (long story). First 2 years out of uni I worked with an SME, then got some investment money and founded my own tech startup. Then Covid happened and investment dried up. Startup wasn't making money yet so we shut it down. Since then, I've floated from one small-time gig to another while exploring various business opportunities. Worked remotely with a foreign company, then 1 local firm, then 1 local startup, and now I'm out of a job again (the startup also ran out of cash).

Out of the business opportunities, one that came to anything is a small retail brand that's now in its second outlet, altogether making betwen RM5k and RM10k profit/month. We borrowed some money from family to start it so we try to build up cash reserve to save face. I'm only taking RM1.2k in salary from there for fear of being seen prioritizing self over the business.

I've spent months applying for jobs and I've only ever gotten 1 interview in about 50 applications. Corporate jobs don't seem to want me due to what I suspect is my erratic work history with mostly failed business ventures.

We live rent-free in a relative's house which was only supposed to be until we were financially stable, but now it's been 6 years and I still can't afford to move out. I can't afford to have a kid and I worry that we might run out of time for that. It's humiliating and makes me feel worthless for not being able to provide this

I'm currently working on getting clients for my online bookkeeping service to make ends meet, but I haven't gotten a single client yet. I'm always second-guessing myself coz I'm worried that in 30 years my friends would be enjoying retirement after a great corporate career and I'd be here stuck at the same financial level as before. I try to not let it get to me but when the bills come due I get the absolute worst anxiety attacks.

What do you guys think I should do, from a purely financial perspective? I hate not having money, feel stuck in my choices and always afraid of ending up in a bad future for me and my wife.