Practice, practice, practice. Was 20 when I learned programming in uni. I found it so hard. But I created the time to do all the homework and did as many stupidly difficult side projects as I could of. I probably never finished one since I could barely nest an if-statement in a loop, so forget that homebuilt pension calculator.
But... I learned so much by failing all those projects. Still try to do as much stupid stuff as I have time for and I heartily recommend every programmer to do the same.
Start 100 projects, maybe 10 of them are viable. And of those 10 only 1 will work. But you'll learn the most from the other 99.