Don't be afraid to create characters that are the common man, punks and deadbeats. You can have characters that are sophisticated and successful on the outside but inwardly unkempt. The question we need to ask ourselves when creating these characters is what creature lies beneath their well put together clothes? You have to dig deep to the core of your characters.
Your character needs a ruling passion, you must remember that your character wants something and will do anything to get it. Whether it be a fear, a feverish dedication, a compulsion, or terror. He needs an issue that drives him or that has prevented him from ever getting just about everything that he has ever desired.
You have chosen this story for your main character for him to shed the thing that holds him down. It will not be an easy task for him, but that's what makes it the most critical time in his life.