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When do you realize that you wasted your life?

How do you know that you wasted your life? You have been to different places in the world, served in the military,raised children,.helped people, and generally never purposely hurt anyone, and never held a grudge. But,..late in life find yourself alone and nearly penniless?
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There have been many times in my life I've had to take a step back and look at where I am and compare it to my expectations. I'm a dreamer and I forget the realities are not what I am living. So a re arrangement of priorities, actions and attitudes are a necessity in changing my life.