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Can you imagine yourself doing better financially? Do you focus on what you are appreciative of or are your thoughts taking you down the rabbit hole?
I can tell you through experience that where you want to be is a choice and that knowing how to change you mind is the first step to changing your experience. You have the key, you may not be aware of it or how it works.
Start by getting familiar with where you are now. Get your financial state on paper (money management) see where you are spending your money, how much debt you have and how you are taking care of it. Are you putting money away for contingencies as well as the future you want? Do you see where you want to be and are your emotions supporting you? Money is more about emotions than anything else.
Mindset is the key and your emotions are the way to see how you can change your direction.
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It's good to talk.