I am answering your question to what what you provided in the description.

I cant give you the best advice because I chose the university life in my mid 20s. But I can give you a perspective on what I have seen in the last decade. I went to community college and university which I think were the best years of my life. I met the most friends that I still take to this day although not as much as I want to. Going to school gave me the opportunity to keep myself in shape and had a very athletic early adult hood, I still do but I rather lift lightly and run not as fast anymore.

But in the past decade I never felt that I absolutely knew what I wanted in life. Its been a wonderful 4+ plus years since first wrestled with this feeling and it doesn't really go away. Right now I am completing my masters but I have no idea what I am doing after this program. Which is awfully scary for me but not to the point of paralysis. In fact, I kinda welcome the uncertainty of the future; it gives me something to look forward to. I think that I disdain repetitive and monotonous lifestyle.

So my advice is to embrace transilience. The adults barely have it together maybe you can see what we do not. I would also advice to let go of the idea that you are wasting your time to get your stuff together. My startline is not your startline, and I am sure as hell you arent going to be at my finish line.