I can absolutely relate. We're in the same boat and this is my personal cry for help, but more on that further down. I'm 30 and still where you are, except without money. I've only skimmed the comments, but I agree with those who say you may have ADD or ADHD-PI. For adults with ADHD (speaking as one who's done a bit of research on it over the past few months), medication is almost never enough. Adult ADHD is complica…
Technical solutions, like the one you explained never worked for me.
I'd second some other commenters here that accepting oneself is the first step. And learning to look objectivly on yourself and accept that you fuck things up from time to time. Don't say that's why I'm lazy or that is because of X. Just note that you are doing something you know it is bad. And try to accept that. It's easier to deal with it.
Things that helped me (that you could try before going down the military route):
Heavy exercise (running 10km a day, martial arts training 2-3x a week). This is probably related to fear - without that level of exercise I'm feeling unable to even start with other habit forming activities. As others noted it's tough to keep sticking to it.
Meditation/Relaxation: Medition is pretty hard for me. But doing relaxation techniques like progressive muscle relaxation or even yoga and then vipassana makes a difference for me. Never works without the heavy exercise for me through.
As far as I remember when I was able to implement these 2 habits for a longer period of time everything else worked quite well or at least I was able to work on the issues. E.g. facing long worn in fears, structering your day. Learning to plan. Actually long term planning.
If the level of stress or fear rises, everything breaks apart for me through. It's been a pattern for some years now.
Also: Get some real friends, not people that talk only about their great ideas for apps with you but that are honest to themselves and also struggle with life. I'm always feeling that a lot of my issues are superficial when I'm around other people that are working on their problems. It keeps you grounded and gives you motivation. Maybe.
Actually I don't have a solution. But if you want to feel better about yourself exercise and meditation worked for me.