Your situation sounds very familiar to me. I got a degree but haven't done anything with it. I'm in a job well beneath me and sometimes the people are incredibly difficult to work with. I used to quit and then get the same job somewhere else, but after a few times of that, I made myself stay and work things out, just to keep my finances stable. Well, I've been stuck at this menial thing for a long while now and I'm desperate to do something new. I feel, similar to you, that I've waited too long, but I know that's not the right attitude. I think every day about how to motivate myself and put the time into something I really want to do and just do it. I've been working on improving my health at the moment, but I really need a career I can be proud of. I'm working on a mental discipline to get the wheels turning because I can't wait forever.
I've been thinking a lot about these things I read about in Michio Kaku's recent book Future of the Mind. Sucess comes from three things: Focus, Cooperation (also mentioned as Emotion Management or, as I like to think about it, Social Skills), and Delayed Gratification (or as I like to think of it, Planning. You know, making a plan and then sticking to it unitl it pays off down the road).
Anyway, that's me on this subject. Hope it helps some.
