You are not alone. Countless times, I have made the same mistake. Overthink my situation, and end up making bad decisions.
But from all those decisions, I have learned something.

I am sure that your current situation will give you wisdom for your future endeavours. It's not like if you go broke, you will remain broke for the rest of your life.
You can change your situation.
Sure, it will take time. Maybe six months, or one year. Nothing major when you have your all life ahead of you.

Your situation reminds me of a blogger, whom I used to follow a lot.

Ayodeji Awoseki.

If you haven't read his blogs, read some of them. It will surely inspire you. And help you when you are dealing with a difficult situation.

I kind of feel like your life highly resonates with his life.