I don’t tell myself I am a loser.  I don’t have much of that inner critic within me.  By most standards I am not a loser but quite a high achiever.  Not outstanding but certainly above average.  Very well educated, no debts and money in the bank.  I had a successful career and was able to retire early when going to work became a bit stale.  Stopping work a few years ago was connected with trying to leave and move in with my friend but, as always, I failed to achieve that goal when I held myself back from going ahead.  In my younger day I was often complimented on my good looks and I am still in reasonably good shape.  All positive stuff and should have nothing to worry about and little reason for self-criticism….. apart from my one big issue that always held me back from getting what mattered most.