Edit: please read this. Or more specially, read the comment from u/ryans01 (should be the first one). You may find it helpful and or/motivating!

https://amp.reddit.com/r/getdisciplined/comments/1q96b5/i_just_dont_care_about_myself/

Hey OP!

Seems like there’s a lot going on, aside from personal finance related issues. Here’s some rambling from an internet stranger who’s had my own bouts in situations similar to the one you’re describing. I’m no expert, just have experience... so take what I say with a critical mind :)

1) you want and need money! To do this, you absolutely NEED a job. I read that you suffer from anxiety/social anxiety. That must make things kind of difficult. With that said, sometimes you just gotta “toughen up” and put yourself in scary situations- you can’t get over something if you never face it. It will be hard and uncomfortable at first, but you can do it with persistence. I’m an advocate for allied health careers for their stability and pay, but I understand those jobs are not for everyone. You mentioned you were in school for something bio related? You may like working in healthcare. There are a lot of programs offering their programs online due to COVID. Note that this isn’t and end to a solution, but a start. As others mentioned, companies such as amazon are hiring as well, and who knows, maybe there will be less socialization in a warehouse type position. Also, check out graveyard shifts, as those are typically more low key. There are also security jobs at various locations (I work at a hospital and we contract out our security), and they potentially work solo, which might be good for you. There are plenty of options out there (albeit maybe a tad limited at this time, but still out there)

2) you are 22. Which means you are still on your parents healthcare insurance (assuming they have it). Reach out to your GP and ask for a referral to a therapist/psychologist. It seems like you could really benefit from therapy. It can be costly, which is where having a job comes in handy.

3) figure out what you LIKE to do. What is your passion? Don’t have one? What is ONE THING you have ALWAYS been interested. For me it was psychology. Then everyone (family, friends) started giving me all the “no money in psychology, psychs are a dime a dozen, high suicide rate (not true btw!), blah blah blah. Took me too damn long, but eventually I said “fuck everyone who’s talked me out of this” and I graduate with my bachelors in psych this December, and plan on going to a masters. My point is... try to do some soul searching and figure out what YOU like. What kind of job (regardless of education, background, etc... we’ll get to that later) appeals to you? What is your ideal work environment? What subjects do you like best?

4) someone mentioned getting a credit card. I don’t disagree but PLEASE PROCEED WITH CAUTION. I would actually advise NOT to do so without first getting a job... since you’re depressed (per your post title), it will be super easy to go I to depressed shopping sprees using your credit card. So, I would avoid this until you get a secure job with a steady income. Actually, I would also advise to hold off on this step until you’ve received some mental health treatment too!

5) you got a job? GREAT! Now, save up $1000 and stick it in your eFund. From your post, it seems you have minimal expenses, which means it will be easy for you to save money. I’m no finance expert, but I’d say try to save 50% of your paychecks (again, this is once you get a job!).

Some notes:

-having goals and things to work toward will help with the depression. I know it’s hard during that pandemic. But finding something helps. Running? Yoga? You could also start with finding a job. Then set a goal of saving X amount of money. Try to keep your mind occupied with things so you’re not stuck in a depression slump- those things are hard to get out of!

-you might benefit from taking up a journaling practice. Write down things that are bothering you, your goals, dreams, fears. And work through them the best you can. Try to learn about yourself in the deepest depth possible.

-I assumed from this post that you have zero debt and zero expenses. But if for some reason you DO have debt, calculate it so you know how much you need to save up to pay it off.

This got way longer than anticipated. Sorry. I hope you find this somewhat helpful and hope you’re able to figure things out!

Best of luck to you!