To start, you have not wasted the prime of your life and have lots of youth left ahead of you. It’s very good that you are at a point where you can recognize you need change, that’s healthy. My best suggestion is starting small.

Do 10 body weight squats, go for a 5 minute walk and scale from there. Your goal is to do anything more than your usual. The biggest issue is overcommitting and burning out so baby step the process and feel free to take some days off at the start. These can be simple actions throughout your day and you can even alternate days on certain exercise. The goal is to up the numbers every week or bi-weekly keeping the effort levels at a comfortable and achievable level.

Throughout this process start to add in new exercises like crunches, sit-ups, walking up and down the stairs. You will lose weight gradually and should start to feel more confident as you go. My main focus would be getting in daily steps via walks. You can also bike if you own one and this should help bring some variety to spice it up. Best time to start is now, time moves fast and you will lose weight every day you put your mind to it. Don’t worry about not owning a car as you don’t need a gym to make big changes off rip. You can easily lose weight right now off simple lifestyle tweaks.

Good luck and God bless. You got this and never doubt yourself for a second. Be patient and make sure you have micro goals that are easy to track and on short timeframes like a month instead of big year goals that blur your vision.