I Need Help Can Anyone Help Me Here

After 20 years of wasting my life I feel like I need to start growing up a little bit... and I have no idea how to go about starting my life. I have a job, I’m earning money, I’m really freaking dumb, dropped out of college, have to pay back loans, don’t have many skills... I feel like I’m going no where and I don’t know what to do. I’m tired of sitting around playing games and listening to music all the time, I’m just clueless on how to start things. I’ve always had an issue starting small and I get overwhelmed easily. I still live with my parents, I have no car, I don’t know how to do a lot of things. I feel like the most childish adult in the planet. I don’t know what to do.