[ Family ] Open Question : My brother told me I am a loser? :(?

So I am about to be 24. I still live at home and don’t really have money saved. I work full time and pay all my car expenses and my health, dental insurance and credit cards. I STILL can’t figure out what I want to do for a career. I owe about $ 5,000 between my two credit cards. I have given them to my Dad to hold and I am paying them down every check. I work at a call center, so not a ‘skilled’ job and I make about $ 24,000 a year. My Dad also has a low paying job (I live with him) so he doesn’t really mind me being here. My brother said I am lazy and will neve amount to anything so I just don’t feel great about myself now 🙁 I can’t “get a degree” when I don’t know what I want to do. I was thinking about becoming a financial advisor (ironic, i know) but they only make $ 67,000 here in MA. It is more than I make yes, but still not very much. I was thinking being a FA would be good as a high demand job. They say ‘if you don’t do what you love, you are wasting your time’ but honestly I don’t know what I love to do…