I am twice your age and I have learned what I think is a huge lesson. Most of us never have our shit together. Maybe for a while, but none of us can predict the future so all our planning may mean nothing. Learning to accept and adjust has helped me more than anything else. You’re right, it’s OK to accept when we don’t have our shit together. Also accept that life is constantly moving, it is never static, so having it together today doesn’t mean it will be together tomorrow and vice versa. Be present and aware as much as possible. Stop comparing and worrying.