Most people who end up in this extreme predicament are not because of luck. It's because of a series of bad decisions. Often if it's too extreme, it's because the person cannot make the best decision due to some mental health issues. So I would seek help there if you are able to get on your feet.
I'm on that.. sort of.. I'm going to therapy. I just started though, and they are booked a bit, next appt is in 3 weeks.
I've had severe depression/anxiety combined with ADHD and (self-diagnosed autism), and my therapist says my brain overthinks and goes way too fast. Whatever that means.
Maybe betterhelp.com or something else online could get you an appointment sooner. Haven't tried it myself but I'd be surprised if it took three weeks to get an appointment there. Although maybe you want a meeting with your therapist who knows you better; just offering another option.