<prompt> Human: I am still doing an undergrad degree at age 31 and have zero savings, half my annual income in credit card debt, north of 60k USD in student loans most are federal, got my 1st job in 11 years only in September 2016, but it is only part time minimum wage, tutoring other students in algebra calc 1 I do like this job though. I am taking calc 2 now, where the exponential function comes up a lot even now, and it hit me only recently the reason why it is so important to use compound interest to your advantage early on in life. In short, is it possible to catch up now to where I would have been if I did things right from age 18 on? I fear opening a calculator app up seeing how much I may have missed out on if I only were a bit more social and handled interviews better so I couldve got jobs at younger ages, then have discipline to save too. I heard that even putting 10week away in some investment account can work wonders decades down the road. I have no girlfriend or kids should not though never want kids anyway until I get my life sorted out, but what should I really be doing with my life? Should I keep trying to get a comp sci degree just because I like gadgets like smartwatches dream of making them despite basically being in out of school since 2004age 18 and still only enrolled part-time and can not really handle a full course-load? Should I have a desire to learn higher maths someday? Should I focus on getting a traditional white-collar job after finishing the degree that is it? It only recently hit me how short life is, I really dont know how I should be spending my time and money. Besides tech, I am passionate about LGBT rights travelling. I have multiple disabilities am on SSI, so I also get accommodations like extra test time.I honestly think I am doing life wrong believe I am running out of time. I know we dont live on this earth forever, I had people in life die at both younger and not much older ages than I am now. I feel like even 120 years is not long enough to enjoy the wonders of life. Maybe this is because I am making such slow progress overall??? By the time I finish the degree, at my current rate I will be approx 37. Is it normal anywhere for someone to just be starting productive adult life at that age? What should I be focusing on?  <response>: I fear opening a calculator app up seeing how much I may have missed out onParaphrasing an old proverb: The best time to plant a tree is 20 years ago. The second best time is RIGHT NOW.It doesnt matter what happened in the past. You can make choices right now that give you the best possible future you can have. 