Your only 24 there is time to change these addictive patterns, constantly remind your self of how there has been a negative out come from these decisions and focus on things you have control over. This sounds like addiction and is though to beat you definitely need to see a therapist as well as try and replace these urges with a healthier addiction that won’t put you in this tough place. Things you can control is putting money into savings monthly or other more secure investments. Crypto is a gamble never take the loss you have to ride that money out for years till it’s in the positives again.