I’m giving up dating before even starting at 21M

I’m giving up dating before even starting at 21M I’m just depressed and can’t afford therapy (im American). I have so much wrong with me and don’t see why a girl would like me or want me to be her best friend and father to her children I have a pet bad stutter where I stutter on every sentence and sometimes can’t even get a syllable out for a couple of seconds. I’ve been told by multiple speech therapists that I wouldn’t go after my dreams and my stutter isn’t gonna get better. I get called r3tarded still and people openly mock me and talk to me like im a baby and it’s so depressing. My stutter is hereditary and I can’t do anything about it, my future kids would probably have it too I’ve never asked out or asked for numbers of any women that I may have liked and talked to, and I’ve liked friends and probably been liked back to but don’t wanna ruin the friendships that I have. I also don’t know why a woman would wanna have to say im her bf/husband/best friend or father of her children I just want love but I’m thinking of giving up