I am in similar position, but 45, negative net worth and alimony. I had two problems: environment (it should motivate better), and health (not 20 anymore, but still have shitty habits).
If you have $500, I would suggest to take 6 months sabbatical and just unplug from tech.
If you have $500, I would suggest to take 6 months sabbatical and just unplug from tech.