Why am I so terrible in conversations? Nobody likes talking to me because of this and it's extremely frustrating?

I space out so damn frequently. I just hung up trying to set up an appointment over the phone because of it. And always whenever family comes over I am the one who doesn't talk and just fake my expressions. I CAN'T EVEN TALK TO MY OWN FAMILY

It's hard for me to pay attention when other people are talking.

I can't afford to see a psychologist every damn week.

I feel like giving up socially and living like a hermit, but I really don't want that deep down.