Feels impossible to take actions and coming outside of comfort zone

I just have such a hard time taking actions like the entire 7 years of my life has been gone to waste. Literally keep dwelling on the past and seems like I'm self victimization myself. Just because I failed in the past, I'm using this as an excuse which has now turned into fear, shame and anxiety. Gosh all I wanna do is work on my life. Yes I wanna go to college, get a job and learn driving so I can be independent adult. I feel like loser staying at home all day using phone being in discord and Instagram. I'm wasting my life, my future and critical time. I'm supposed to be working and going to college, making friends. But here I am overthinking and asking myself dumb questions like what is life and my purpose. Why do we have to work and make money.