Stories are important to me. I think God created us all, in the first place, and gave us the ability to screw up because he is interested in story.
And yet real life, looked at from any degree of emotional distance, seems to make no story at all. (See here) It seems to be one thing leading to another without any real shape or intention. How disappointing.
I think people lie to themselves about it. That's why romantic engagement photos exist - this isn't a just a marriage, it's a love story. It is grand and inevitable - and why folks insist "everything happens for a reason."
A string of events is not a story, even if they are your events. That's not to say that real-life stories don't exist. I'm just saying that just because Stories = Important and One's Life = Important does not mean that One's Life = Grand Story. A life story, an actual narrative, is not something we're guaranteed. In fact, it's probably rare. It's probably why we as humans write fiction in the first place. (Hooray, fiction!)
I think, though, that there are some things that one can do to increase the odds of having a real-life story.
The first building block of story structure is to have a character with a want. The more a character is committed to this want, the more he drives a story. Stories need conflict, and regular people avoid conflict. But if you have a character who is committed to satisfying his want, he won't avoid conflict. Character + Want + Conflict = Story, or at least something well on its way.
So maybe want something in life. One working definition of coolness is to be totally free of wants. No Wants = No Vulnerability. To be cool is to have no skin in the game. I was under the impression for a long time that people would like me if I was cool.
But the thing is that people will watch a character who wants something. People will relate to that character. They'll follow him.
And besides, having a want or a goal might provide you with a narrative arc. Give you that talky voice making sense of things. I think it's worth a try.