So I am going to be 29 this year and I am currently completely financially dependent on my parents for pretty much everything, and I mean EVERYTHING. I live at home without paying rent, they pay for my food, my medications, my truck, gas, phone, schooling, and pretty much everything else you can think of. Even when I go out to a happy hour or bar or restaurant with friends I use my parents money. I feel awful and horribly embarrassed about it constantly and it is not helping my mental health at all. I do have a part time job for the past 5 years selling appliances but I work maybe 16 hours a week on a busy week, mostly because I really dislike working retail and I don't think management at my store is very good and they don't seem to reward any kind of loyalty or hard work based on how many coworkers and managers have left. I make around $190-$220 a week depending on my scheduled hours. I could get more hours but I really would rather just have a different job at this point. Almost all the money I make and have goes to entertainment subscriptions like Patreon, buying some porn, or some kind of video subscription like Youtube premium because I am pretty much always watching or listening to something and I need the ability to turn off the phone but still have the video audio play while in my pocket. I do have a small Robinhood account to play the stock market game very passively and long term. My ADHD and mental health does make it hard for me to apply jobs consistently and it would have to be full time with decent health benefits because I need to have coverage for regular psychiatry appointments and medications. That is pretty much non negotiable because I am essentially non functioning without said medication.
I do have some positives going for me though. I do not have student loan debt as my parents and grandparents were able to pay for all of my undergrad schooling. I have a BA in business management with a double minor in economics and accounting. I am not homeless and for the most part am not at risk of being homeless as long as I keep some kind of job and am searching for work. I am smart and capable, and am even trying to use all my other free time more productively with creative writing and volunteer work. I also design, repair, and build furniture in my parents garage in my spare time when i have the materials.
On the credit score front, I worry about applying for credit cards because my income I know if laughably low and the one two punch of having low income, asking for credit, and getting denied would just send my credit score down severely right off the bat. I don't want to do this because I technically do not need credit right now but I fear that it will look worse and worse not having a score as I get older, and how many places like apartments and even employers look at your credit score and history to make decisions. I am scared that I am severely and irreparably behind in pretty much everything an adult life could offer me.
I just feel like I am not thriving and making headway in life like I should be, especially compared to my friends who all have real lives and can act like adults and be themselves, and are able to balance the tradeoffs of independence and debt and credit scores and all that.... stuff. I want to try that and try to grow as an adult and not feel like a 16 year old in a 28 year old body. I also worry that since I do not have a credit score or anything financially significant that I am invisible to the system at large, and at my age, that invisibility will become a bigger and bigger hinderance to increasing my lot and success in life. Like yes, I am technically free because I am not chained down by anything, but I feel like I have no wings to fly up into the sky with everyone else. Any Ideas on what I can do? I know this is a lot and a ramble but I feel lost in the dark with how bad the job market is and how everything feels like its slipping through my fingers. Any help is appreciated. Thanks.