Really sorry you feel this way. I agree with PP that it may be the right time to get some antidepressant medication just to set you up to make some changes.
We don't need money for everything worth doing in life. It's way easier if we have spare money but not essential. But we do need some guts and to be prepared to trial and fail a bit until we find our niches.
I have felt like you before - many times. When I did I used the Feel the Fear model. (Please read that book - it's old and may be a little outdated but an absolute self-help classic. The only one that truly transformed my life.)
Draw a big square and divide it into 9 smaller squares. Write a key element of life in each square, whether you currently have them or not. So typical squares might be: Health & Fitness; Work & Income; Home; Family & Friends; Romantic partner; Fun (Hobbies/interests/travel); Social Contribution; Spirituality; Personal Development. But yours may be different, depending on your priorities. The only one you must include (iirc) is Social contribution.
For each square write down one thing you can do today or in the next couple of days that will improve that area in your current life. So, you may want to own your own home and feel that's currently an impossible dream, but you do have the power to clean, declutter, refresh where you live, add a vase of flowers, rearrange furniture, so when you walk through the door, your home feels loved and reflective of who you want to be.
For social contribution - it's anything that gets you connected with your community and helping to make it a better place - it's fun to work out what that might mean to you - whether it is helping at a food bank or soup kitchen, joining a local political campaign, guerrilla gardening or rewilding projects, helping at your local church or temple; reading with kids at the local primary or walking rescue dogs. Pick a couple and try them out for at least three months.
With personal development, it can be good to start both large and small. You can do free online uni courses in something that interests you, or do self help CBT to increase your self-compassion, or be brave and apply for next stage jobs or a fully-funded MA in the USA.
Using a mix of really tiny changes and some potentially massive ones, working on each of these nine areas of your life keeps you busy and occupied in a way that feels positive, It gets you thinking outside your rut and it inevitably leads to some positive changes. I found DH; a new career I love; a new place to live and loads of smaller adventures through tracking my life in this way when it was stuck.