from personal experience, it really is only your personality holding you back. speaking as a 30 year old virgin.
as someone who has spent time living on the streets and seen quite a few homeless couples, dont fool yourself into thinking it is your looks or financial success that is keeping you single. those people are most definitely not financially successful and are often not physically attractive, but are still in real relationships.
i was told growing up how good looking i was very often. up until i was 23 i had well defined abs, big muscles, etc. women would come up and talk to me but as soon as they hit my personality they would loose interest fast. this means that your only problems are in your head, and that is one heck of an enemy to face.
i also take public transportation and i see some very unattractive and obviously broke people being in relationships with people that are better looking than them, and also broke.
as for me the only thing i can do is work on myself spiritually and work on not screwing myself over more, free myself from ignorance, etc.