So many people go through life with unrealized ambitions,
reluctant take the steps necessarry to achieve true peace of mind,
what ever that may be.
I have trouble to figure out what "that" is mentioning about in the last phrase "what ever that may be".
Is it pointing at "true peace of mind"?
Your help is appreciated.
If we analzye this by looking at singulars and plurals, I would have to say "that" cannot be pointing at "steps" because "steps" is a plural word and would require the use of "those" to refer back to steps. On the other hand, "true peace of mind" is a singular, and "that" is a match for it. Looking back further in the quote, "unrealized ambitions" is not a match, either, because it is a plural.
On another note, I do not know this quote or where it is from, but it has missing words and misspelled words. You should always take care to quote exactly!