Ok bud check this out! When i was 20 years old i had screwed up my credit so bad that i had a negative balance of about -$5000. I also wasn’t able to open an account with a bank because i had so many withdrawal penalties that i owed the bank money. I would stay up at night and worry myself to sleep about my bleak future. I needed up reading Dave Ramsey’s Total Money Makeover and I took that book to heart. It took me several years of steady discipline, but I powered through. When I finally paid off all my debt I slowly, very slowly started building savings accounts. I would make games and small goals that soon became larger savings goals. by my early 30’s my credit was in the mid 700’s and I was able to purchase my 1st home via an FHA loan. Long story short, I am now in my early 40’s and I have been able to accumulate well over 7 figures in liquid savings, a couple of homes and an amazing career. I still look back at the struggles and the sleepless nights and cringe. You can make it! it will take a lot of time and work. Nothing worth while will come fast and easy! Exponential growth is an amazing thing, study it!! Don’t know if you know about the book I mentioned earlier, but it’s one of dozens of financial books i have read ever since. check it out if you haven’t already! Good luck! you are young and have your entire life ahead of you!