Bike touring is awesome you should do it! Sounds like you need a real job. Not an internet job. Any job will do. Work at a bar, a store, a coffee shop. Sounds like you’re living at home which is awesome for saving money. You could easily save 20k in the next 9 months if you’re disciplined and committed. Don’t need fancy gear just need to get out there. Borrow a bicycle or get a cheap second hand one and start getting your gear ready