In this world smart means nothing if you are lazy, unmotivated, stubborn.
Is this underachievement? In my circumstance I know I have not lived up to my full potential. Just as I got a late start to med school (after jumping through a series of required hoops for years) my father with whom I was always very close became stricken with Alzheimer's. It was disruptive to my life. In brief life is often not fair. I think I reached a pinnacle, looked too much over the precipice at the job ahead of me and faltered. I quit. I was not failing.
I expect to make a redemption still, have made progress and will update those closest to me.