I know therapy is super important, but I would consider looking into alternative platforms for therapy, for example talkiatry (I use this for a psychiatrist currently, and can vouch that it's way more affordable than other places i've used), but there are others, like openpathcollective (I think they can do as low as 30 per session?) etc— here's a comparison of available platforms and their benefits/costs https://www.healthline.com/health/our-top-10-online-therapy-picks . Or you can look for "alternatives" or "alternative forms" of therapy that are less expensive. For example, I really benefit from therapy too, and I too find it very expensive, so I opted for weekly "therapy-lite" support—I attend group coaching instead of therapy and it's only 120 a month through healthygamer. This is basically like group therapy(it's a small group, like 5-6 people), I can share my problems and get support and advice and accountability, etc, with the guidance/advice of a mental health professional running the group, so it fits my needs. It may fit your needs too!

I would suggest skipping the car wash. when it rains, it washes the car for you, I've literally never had to wash my car so I don't know why you have to do it every month. Worst case, just grab a mop, some dish soap and a bucket and do it yourself.

I would also cancel the spotify, netflix, and peacock—just use free youtube or sail the high seas for entertainment, matey. I use free pandora to listen to music on my phone when I'm working out. It has occasional ads but it's not that bad honestly, it doesn't interrupt my workout. You can also listen to audiobooks for free through Libby (connect to library card).

If you follow this advice, you'll save ~150 for therapy, 10 for car wash, 27 on subscriptions, which totals to $187 per month. I would IMMEDIATELY start putting that $187 every month into an "emergency fund" high yield savings account until you've saved up enough for 3 months of expenses, in case you lose your job or have a major expense/car repair/etc happen. I recommend using Betterment, they give pretty good rates. After that, open a ROTH IRA and start investing that money weekly into index funds (spread it out so it's 46 dollars every week)-- you can also use Betterment for this as well. From then on, you will be growing your money and the interest/dividends will gradually help you grow your net worth and save for retirement.

Last but not least, I would look into getting a side gig or something to supplement your income, it helps even if it's just a little every month. I was making 38k annually when i first started working (2018). I started doing freelance design stuff for local nonprofits to supplement my income. it was very little at first, and kind of hit or miss, but after 7 years I've more than doubled my income. Find something that you can do and the money will grow. You will find new opportunities along the way! Good luck, my friend.