OP is actually ahead of most people in NA. No mortgage sized student debt hanging over him. Basically lives a rich socialist country that lets you be a NEET.
I only turned my life around the age of 29-30. I wasted my entire 20s. I worked hard but there was no opportunities around me until I actually moved overseas and after a few years I was killing it.
Imo social circle is overrated when it comes to money. Most of the successful people I know have small ones and are in the top 5% of earners.
OP just try to calm down a bit. Taking a month or 2 to think about your path in life is time well spent. You are already on a corrective path by acknowledging your folly and trying to change your circumstances.
I only turned my life around the age of 29-30. I wasted my entire 20s. I worked hard but there was no opportunities around me until I actually moved overseas and after a few years I was killing it.
Imo social circle is overrated when it comes to money. Most of the successful people I know have small ones and are in the top 5% of earners.
OP just try to calm down a bit. Taking a month or 2 to think about your path in life is time well spent. You are already on a corrective path by acknowledging your folly and trying to change your circumstances.