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Am 21years old ever since I left school (secondary) I have made so many mistakes and try to pick up the pieces there after but it seems it keeps getting worst every year, I currently have 1million plus in debts due to mismanagement and wrong planning without any means to pay back I already feel like a failure I get my brother constantly reminding me that am a failure and nothing I do works out I have come to believe that's true because of my unending mistakes and I already feel like taking the shortcut out and leaving everything behind!