>>81658344 (OP)
I didn't start talking to strangers until I was 21 and already almost finished with my bachelor's degree. I didn't start researching how equity, bonds, high yield savings accounts, and retirement arrangements work until I was 24. I didn't get my first gf until I was 25. You're fine and have plenty of time.
Start winning at life now if you aren't already, because I promise you do NOT want to be a total fucking loser in your 30s.
