First off, whatever way you think you have in your 20s is wrong and misguided. You need small wins to gain confindence. It's almost September, think of a reaso

First off, whatever way you think you have in your 20s is wrong and misguided. You need small wins to gain confindence. It's almost September, think of a reasonable goal you can accomplish by the end of the year. Start to think of a harder goal your can accomplish by the end of 2024. If it's money, then finding religion about personal finances in your 20's will set you up better than most in your later years.