my best advice is keep it simple. Your going to find complexity is the killer of dreams, far too often people grossly waste time and energy making things wildly complex when simplicity best empowers ACTION, and action get's results, not complexity.
Get yourself a credit card. If you can't get one on credit, get a secured credit card which you can do with as little as $100 in many cases. Than, exercise supreme discipline. use that card for a specific category, like all fuel purchase. Pay on it, in full, every week. Get in that habit of ignoring the monthly BS, the monthly game is designed to maximize fee's, look it up. Train yourself to be a 2%'er and that means doing things differently, almost always opposite of the masses of sheeple. Pick 1 day of the week to be your finance day, make it a habit and ritual.
Next, if your really serious, go get a job working in real estate. At start don't focus on the end, just focus on getting IN. For example, my brokerage hires people at base level for what equates to a runner position, entry level, just getting lockboxes, looking at properties etc. It gets income going, puts into the environment of all kinds of deals and stuff going on, and where a person goes from there is limitless. Just get in somewhere that you can start observing, asking questions, learning, absorbing, all while getting $, this starts that W2 income.
And lastly, make sure where you work is conducive to getting your R.E. license, or similar, and starting PT DOING deals, in whatever factory or function, without sacrificing your FT income. Fact is that SOOOOoooo many don't speak of is, the failure rate in Real Estate is arguably the highest of ANY industry, easily around 90%, no joke. I have seen so many run in, to hit that wall of reality, to then just give up and run away feeling destroyed.
Get in, make it your actual occupation to earn and learn. Opportunities will come that otherwise wouldn't, you will be able to network, build a reputation, these things matter a lot. Be smart on how you do things, methodical.
And know this, there will be sacrifices to be made. Influences will try to drag you away to make lessor choices that will seem a lot more fun because they ARE, in the immediacy, what your doing is CHOOSING to make make the exchange, short term pain for long term gain. It's a life choice, there is consequences, positive and negative. At 20, people will mock you. At 22, friends will tease you. At 28, EVERYONE will envy you. At 35, EVERYONE will wish they were you!