I'd say 9w8 sp/sx core, 9w8 7w6 3w4 sp/sx tritype, most definitely an ExxP in MBTI. Tough to say which one of those, but probably ENFP Ne-Fi (maybe, not sure). The no debt, money in the bank, but heading in the opposite direction sounds very Si inferior. You really want those things, but you can't seem to do it and, when people impose on you any sort of structure, guidelines and rules to you (which would make those problems disappear btw) they're "controlling you" because after all, "how dare you make me use my inferior controlling function that i don't want to use, you controlling asshole?" lol. The way you go about your things is very Fi-ish. Doing it because you feel like it (Fi aux) and there's a laziness to try to explain the reasons of why you feel like that to people (Te tert). But that's a guess, try to track the ratio of your actions in your day to day life and try to pin-point the reasons why you decided to do them. I know this might sound like a nightmare to you, my ENxP boy lol. But it will make it way easier.
NOW TO THE ENNEAGRAM PART YOU WANT TO HEAR ABOUT
Dude i see you as an obvious 9 and/or 7. For real. I would understand why you would see yourself as a 5 or an 8 and/or how you would most certainly want to be like an 8 or a 5, but i see little to non-existing 8 in you tbh. You resemble more like a 9 in your gut type, a 7 in your head fix and a 3 in your heart fix. I don't think that an 8 would have this much disdain for getting things done (speaking from experience), considering their/our core fear of vulnerability and being out of control of their lives. I do have a 9 wing, but there's no way i would keep dropping out of things tbh and let those things pile up on me lol.
I dropped out of psychology in the 3rd semester and - i would have dropped out in the first if my parents didn't push me so much back then - after a couple weeks after dropping out, i already enrolled in drama school and now, 2 years later, i am graduating and have a whole set of goals ahead, some already beaten, and no covid-19 quarantine is going to stop me lol. I already knew what i wanted and i was tired of letting myself be influenced by other peoples useless opinions, so i just did everything myself and, dropped out without warning my parents beforehand (i just kinda quit, enrolled in drama school and told them all about it after i got everything done) and if someone didn't like that, they were welcome to f*ck off. And i've been like that my whole life. I have always been a authoritative, temperamental, shovey, hot-headed, bulldozer wannabe f*ck face and that, more likely, won't change that much. I can obviously change my primary core fears if something traumatic happens, but that side of me will always exist. Being independent and on top of my own sh*t is like heroin to me. Because then, no one can tell me what to do or try to control me because, i'm already a controlling asshole in my own life. Therefore, no one can be a controlling asshole to me if i am already controlling everything (i know this logic is fucked up, but it's an 8's logic). If i am on top of my own life, i own it. No one gets a say. And if they do, they can f*ck off, they don't pay my bills after all. See the difference in how the energy is manifested? Not only that, my relationships in the past crumbled because i didn't gave myself the chance to actually be hurt. I'm deathly afraid of being hurt by other people, so i shut my self out, i become a loner, overly controlling, aloof, confrontational and quite toxic. Because if people screw up in stupid day-to-day things, imagine what they'd do with my emotional life if i let them in. That's what the root of my problems are at least. I know that people can be neglectful and mean, so i shut myself out of everything that can give them an upper hand on me, by denying any vulnerabilities i have and any lack of control of my own life. That's completely unhealthy, i know, but everything stems from this premise.
Your core fear seem to be lack of harmony and peace of mind, not vulnerability. You just don't really want to be annoyed and get owned by the chaos of the day-to-day life and other people's bullsh*t. Paying bills, doing chores, getting work done, routine... It must be a nightmare. But those are the things that make you not have to worry about all the chaos. So then you have the "9 contradiction" of not wanting to have to have to deal with those things, but you never really face them. So you just quit, set it aside or brush it off and let those things pile up around you. So you end up sleeping on your passions, your goals, your own happiness maybe, because it'd require too much commitment and too much energy spent on things you don't really want to care about. That's 9w8 + 7w6 energy incarnate.
Your 8 wing is probably what makes you get in doubt about your type. The "you know what, i'm just gonna quit, i don't give a sh*t" is that 8 energy you summon to fulfill your 9 goals. So the confusion is understandable. I thought i was a 9. But then i realized that it was just the "tint" that i use to color my 8 life, in a way.
So there you go, that's my guess. 9w8 sp/sx core type. 9w8 7w6 3w4 sp/sx tritype. Kinda close to mine. I saw a little of myself in you in some moments. I'm 8w9 7w8 3w4 sp/sx.
Bear in mind that this is only a guess. The only real way to be typed is to ask for feedback from like 10 people that know you very well. And then you study all the methods, systems, whatever, and then you identify the type that is congruent to the feedback those people gave you. But that' it.
Good luck, bro.