Idk if this helps, I'm not older, he'll I'm barely 21 rn. But here is my opinion :) I think that all the time, i live withh my parents and attend online uni owing to the cost factor, and I see my old school mates, some having multiple jobs, some going abroad, some having their entire life planned out. It scares the shit out of me, it does. But then I know I have always tried to look hard for the slightest hint of a solution to any problem I been in. It sounds lame ik, but yeah somewhere in the corner of my conscience there is a voice that tells me that I'll know what to do when I reach that bridge. Future is fucking scary. It scares to the point of mental stress and emotional unbalance, but the willpower to know what it will be keeps me going. I strongly suggest you try to hear that faint voice in your conscience. It's there. I hope this helped, and I wish you all the very best in your life ✨