<prompt> Human: and I have about 500 of debt. How badly have I screwed up my 20s is it too late to be financially stable or will I be living paycheck to paycheck and fighting homelessness forever?Assistant: What are your expenses and what are your skills?Human: expensesI pay rent only 400mo. yay!...but thats because I rent a room boo!public transportation bus train 134mophone bill 40moand a credit card bill.as for skills, I have none really. I was going to school for game design, dropped out, and all I have now are courses on gamemaker I bought on udemy. So I have no skills. Basically, Im a loser I have no idea how to succeed at anything and It makes me worried for the future.  <response>: You arent a loser. You just dont have direction and it shows. First, figure out what you want in your time on this Earth. Then start working towards making that happen. 