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Here is the easiest and the hardest step: live below your means. If you can’t afford to do or have something, don’t buy it. For some people, this can be a foreign concept, but it’s essential to financial success. It might sound like constantly denying yourself, but that’s not what that means or what it feels like.
If you need further clarification on this point, nobody has said it better than this SNL sketch from 2006.
You can be financially literate. What are your goals? What do you want? Start small and grow, take control of your finances, don’t let them stress you out. Financial wholeness is in your future, you just need to take the first step.