How to be a 40 year old maker

I'm almost 40 years old, and I've been a developer for over 10 years. I have been using the computer since I was 14 years old. I've seen a lot happen in the technology industry. I wish I had created some significant product. But I start things, and I'm not done. I think it's not just lack of focus. I easily lose my confidence with my ideas. How do you guys become a maker? Keep focus, and believe in your own ideas? Another problem is that with age, I am getting more and more comfortable. At age 40, have you spent the time to create a technology startup? Is it possible to change at age 40, or is my time over?