Am I going to regret not having a baby?

So I am 38 and I haven’t been in a stable relationship for quite some time (like almost 10 years) and I know my time is running out. I’m in pretty good shape I honestly believe my body is still capable of surviving pregnancy but I feel like I’m still not financially stable enough to support a baby on my own, yet people do it every day. I’ve been passed up for jobs because the person next to me has a family and I don’t. So that makes me wonder if trying to be responsible was actually a huge mistake for me. I feel like I’ve missed out, like what happens when I get old, I’m just going to die totally alone, I know I have a lot to give but I also think it’s selfish of me to have a baby just because I want to be a mom. Does anybody else feel like this? I can’t be the only single who struggles with this right? I feel like life is passing me by because I didn’t find mr. right in time, and at this point I don’t think he’s coming.