<prompt> Human: Im an utter financial disaster and I write this with a lot of shame, guilt and anxiety, looking for suggestions on how to reform and fix my mistakes. My approach to finances can be described as reactive and avoidant, but this avoidance has reached a head and I realize that if I dont want to get arrested and F over my future self, I need to get my shit together, like NOW. I just dont know where to even begin because its all so overwhelming.Details: Im 29. Self employed. I havent done my taxes since 2015 or 2016 yep its that bad-- I dont even know where I stand. Ive previously done every schedule C myself but honestly, never fully did it ethically by the books i.e. I flubbed a lot of numbers to make my bill payable every April, as I never did quarterlys or... planned.I used to be just a freelance musician and that was complicated enough, however as of this past year I also became an online Influencer and model and Im currently bringing in revenue from tons of inconsistent streams, including:-1099 modeling gigs-1099 brand deals-Paypal payments from brands and companies for posts-w2s from companies-winnings from competitions-personal checks and cash from students -money from Patreon from patrons-money from selling stuff on PoshmarkI have 30K in student loan debt which is in default because I have avoided setting up the income driven repayment plan like a moron. I have another 5K left to pay off my car, and another oh... 11K in credit debt. Last time I checked my credit it was in the 500s, plummeting from being in the high 700s just a couple years ago. Because Im self-employed I know I should operate with a business bank account and set aside a certain amount for quarterlys, but I never did this before simply because I was lazy, living beyond my means and treating taxes like they were optional... I was in my mid 20s, stupid, and figured I have no assets, so who cares. My income has always been around 45-65K a year. Whats changed? Im about to turn 30. This isnt cute anymore. Im also becoming more successful in my career with bigger financial opportunities on the horizon, and am I looking at beginning a family in 5 years. I want a savings. I want financial freedom and not anxiety that keeps me up at night.So, I know I need to budget, systematize filing, get a business bank account and use it, and hire an accountant, but I could use some advice on what steps to take first. I am currently broke, have no assets or savings, and am literally sitting on my floor in tears with a massive bin full of three years of documents to sort through first. I wish there was a CTLALTDLT and a fresh start, but I know Im going to have to pay for these choices. Thanks for any and all suggestions on what steps youd take first and what I should look for in an accountant given my circumstances.  <response>: Get an accountant. Therell be loads youve missed that you can claim on 