You should Google "deferred gratification". It's the number one predictor of personal success. You are currently displaying zero ability to defer gratification. You will not be successful until you master this skill.

I'm 34, I have zero school debt, am married, own my dream home and am retired. You know how? I worked my fucking ass off when I was younger. Now I get to enjoy the rest of my life. Vacations, cons, random road trips, that's the shit you do after your future is secure, not before. That's the life I enjoy now, financially worry free.

Many of my friends had your attitude. They wanted to "enjoy life while they're young". They're in their 30s, still renting, still have roommates, have crushing debt, still working low paying, low skill jobs, and are basically watching all their dreams disappear as the years wear on. I can't tell you how many deep reading conversations I've had where friends confess to me that they "fucked their whole life up" by basically acting the way you are.