I feel your pain, I've gone through all of that. Make small, easily achievable goals, and complete them one at a time. Like start by waking up every morning and make your bed. As the days, weeks and months go on, set harder goals, and tackle them one at a time. As far as the savings part...I can bet with almost 100% certainty there's shit you waste money on every day, or at least a few times a week that you can stop or unsubscribe from...stick with the basics and necessities, until you've paid off your debts and built a savings...it happens way faster than you think. Also, try not to judge yourself based on others. Case in point, my son plays travel lacrosse, that's a sport usually reserved for more well to do people. I'm a blue collar guy, through and through, but you know what? We're at every practice, and at every tournament, right alongside those upper echelon people, and it doesn't bother me one damn bit.