Well, don't feel that way. That's some poor story telling about yourself. And how you frame issues is everything. [1] At least you can save, which puts you over a huge % of Americans, and 99% of the world I'd bet. You have an education (I assume?) which is a huge leg up. I wouldn't bother saying all this, except I was a very late start myself, with lots of debt, zero education, and not even a high school degree. It took time, but that's something we all still have.

There was a guy in the warehouse (3rd shift) that worked with me before all the re-invention. He was +20 years my senior, working two jobs. He gave me a talk similar to above and it was a wake-up for me. That helped me. Nowadays, my peers help me by being supportive and inspiring.

1. https://en.wikipedia.org/wiki/Cognitive_behavioral_therapy

Hey by the way, i always thought CBT was rubbish, until the intersection with that, Stoicism, and Meditation was made clear in the book Happiness Hypothesis. How dumb / arrogant was I to write off stuff that seemed to help millions of others ... Another thing I had to learn the hard way.