How do I love myself?

One thing I hear about a lot when people are talking about confidence, socializing, improving yourself, and etc. Is that you have to learn how to ‘love yourself.’

But I’ve always asked “how?..” “How can I love myself when I make mistakes and have many regrets and just don’t like who I am?” I don’t like a lot of things about me, how I have social anxiety, how I am shy and awkward a lot and have bad habits, and how lazy and selfish I am. And on top of that I am just disappointed in myself a lot.
You hear a lot about learning to “forgive yourself” and to “love who you are.” But I can’t love who I am when I know that I can be better.
I have a goal in mind of who I want to be, and I’m always striving to improve and hopefully one day become that person. But when I hear people say that I should just love myself for who I am, it sounds like they’re just telling me to accept my mistakes, and to love my all of my qualities, even the bad ones. …But I don’t want to do that because I know I can be better. I’m afraid that if I just accept who I am with all my faults and regrets then I’ll have the mindset that I’m okay the way I am, and won’t desire/strive to improve myself.

I am hard on myself a lot, but that’s just because I want to be better- I want to become the best version of myself that I can be. Because then I will be happier with myself: happier for not messing up daily and coming home with regrets, always having my faults right in my face. Happier knowing that I haven’t missed another opportunity, knowing that I lived my life to the fullest with no regrets, and that I’ve reached my potential.

I don’t just want to settle for the unreliable, insecure, lazy person I am right now.

But prove me wrong. Tbh I do want to love myself and be confident with who I am, but currently I cannot do that.
Is this just how it’s supposed to be? If you have to love yourself to improve and be better in social situations, relationships, etc., how can I do it?