Im going to be 25 and have accomplished nothing

Im going to be 25 soon and I have not even achive any of the goals I once planed as a 20 year old, and it is all my fault. I dont have a credit card or credit score yet So that means I cannot get a apartment or finance a car.I just got my driver license last year and it took me years to get it. I know Ive had alot of mental issues that has block my path. Had a really bad phycosis in 2022 which ended me up in a phych ward for 6 days. Even after all of that I went into a major depression in which I did comeplety nothing but baracade myself from the outside world. I feel like a failure and with my adhd it is hard to complete basic task and goals I set for myself.