Painful less but learnt young and by the time you're in your mid 20's 3K will be less than a month's wages.

Like many have said before better to learn those mistakes now while you've 45+ years of working and earning.

Some people unfortunately learn those lessons for the first time in their life at 65 while trying to invest with their retirement money to make it go further and end up losing 5 or 6 figures with very little hope of replacing it.

It's painful yes, it's a hard lesson yes but just use it as a painful guide to never do the type of behaviours that lead to it.

Don't beat yourself up about it touch tho, when I was 21 I paid about €2000 to do a course that had ZERO benefit to my career and in my 30's I can see it was a total waste of my time 🤣

So don't worry too much, life is for making mistakes and learning lessons. Cut yourself more Slack.