First off, you are 21. Be okay with that. When I was 21 I definitely didn't have my shit together. It's a crap economy everywhere.
Take less classes. If you need to focus your studies, do so. It took me 4.5 years to get my 2 year degree. Finally got my driver's license, got a shitty car, and got a decent job in 2 weeks. Talk about hurry up and wait. I was 23.
Don't beat yourself up things will get better. I have friends that are in their late 30s/mid 40s that live with their parents. Not because they messed up, but they could never get ahead.
I had a teacher once say to me, "Aim for the moon, if you miss you will end up in the stars" It was accurate. Set lofty goals, sometimes with the expectation of failing. Take Retirement it's an odd example. I want to retire at 48. Will I? Fuck no. But is it a failure if I retire at 53?
I have OCD, Anxiety, Panic Disorder, Dyslexia, Sensory issues, Insomnia, Anemia, and heart issues. But I also was born stubborn. And being stubborn was a gift. Don't give up.
Woah.
coaches seem to focus more on CBT
Cock and Ball Torture??? You need different coaches. That took a wild turn.