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[quote=Anonymous]Op, you are bad at money. You would need a much bigger change than bankruptcy will ever give you.
Are all those excuses yours? How many in total? You got to become good with money. Learn all you can about personal finance, investing, and taxes for now.
Personal finance is my passion. It allowed me to retire at 46 having made minimum wage my whole life. I had to take budgeting to whole new level or I was not going to survive in DC on minimum wage.
I got a 0% car loan in May 2024. This was available to anyone with 740+ credit. My brand new car was also cheaper than yours.
My retirement account doubled last year. This is a Roth account that I manage. My employers never offered a retirement plan. They didn't even pay the minimum required by law at times. I can see it in my SS account.
My credit cards charge me only 4%, and have for the last 20+ years. This may unbelievable, but if you know, you know.
I bought a stock two hours ago, and it has made me $600 already while markets are closed.
I did not have tax expense last year. I got everything back and more. Nothing illegal. That's what happens when you have total control over your money, plus some knowledge. 
Every penny I have ever made, I still have. Many people don't even know how much they have made since they started working. It is very important to know.
Value of an item is different from the price.
My kids have investment accounts. They know which stocks to buy and which ones to avoid. 
I know I took it all a little too far, but knowing how to manage money, is like super power.
I'm an immigrant. Your saddest story doesn't come close to what I have been through.
I have never said 'no' to extra work though til I retired.  Didn't even know the option existed. 
Op, getting you all back on track and investing, is not what we are up against. It's your attitude. Only you can change that.
I just want you to know that, just like there's downward spiral that you are in now, there's upward spiral once you have some money. Upward spiral is even more powerful, because it doesn't rob your mental and physical health, it fixes them.
Everything you need to know about money, is in (audio)books and youtube.

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