Im 23 and I don’t know what i’m doing in life

3 years ago I was a lot richer than i am today and the sudden realisation that i achieved nothing in the past 3 years i graduated but i cannot find a job and i cannot make money and in order to do further study i have to do extra qualifications which cost money so im kinda sitting here wishing on a star and it’s so depressing because i feel time is running out and there’s nothing i can do i see everyone doing something with their life but im sat here like a loser.