I can definitely relate. I'm 23 aswell and My stammer is pretty bad, like barely 4-5 words in a minute on an avg day. I have very severe anxiety of almost anything. Calls, video calls, opening the door when someone rings. I can't breathe properly when i have to present or have an interview. It's really bad. I once punched a wall before a presentation coz I was so nervous. I got a job now but the first few weeks were very hard as i had meetings almost every day and Video calls are very hard for me. They told me to stop myself after a few words and i just wrote my intros on chat. Good for me but I'm always sad that i can't do simple things like this. My family could never afford a therapist and my job just started so saving up a bit. I'm planning to go to therapy later in my life sometime and hope it helps. I don't have much advice coz my life is shit rn as well but i can only wish GL to you.