<human>: Can you summarize the given text in a few sentences?

A few weeks ago I found out that one of the baristas at my local Starbucks liked me. She had been using her co-workers as wingmen to see where I was at relationship-wise and everything, and that eventually led to two of them throwing me (literally throwing) her number on a piece of paper.

They told me to text it, but I decided to wait and ask for it in person. The next night, I came in and did just that. I stumbled over my words, of course, but I walked away a winner. 

Not long after that night, she invited me out with her coworkers to a restaurant, where we stayed until closing time (2am). It was awesome to see her outside of work, and it was an all around good time.

Anyway, I worked as a lifeguard over the summer and the season (for me) ended early August. Between then and up until a week ago, I was unemployed and living off of savings. As a 20 year old college student, I also live with my mother. My mom was recently fired from her job, so I've also had to support her financially.

Basically I've been unable to date because of a lack of finances. I really want to go out with this girl, but I haven't been able to afford to. We've texted back and forth, and I see her at least four nights out of the week when I go to the store to work on articles, but I haven't been able to ask her out on a date yet.

Tonight one of her co-workers told me that my window of opportunity was closing. Like anyone might, I felt defeated. Fuck, you know, I've lost my chance. I like this girl, and I still want to ask her out (especially now that I have a job), I'm just not sure as to what to say to her about the situation.

Do I be honest and tell her everything? Should I text her a short summary of why I haven't been able to ask her out? Should I even bother? What the hell should I do now?
<bot>: got a girl's number too early while financially able to date, now my window is closing, what should I do?