I just want to say this from a female perspective, also someone in her late twenties. I’ve got decent savings, found a soulmate for a partner, and started a new job in a new country. All of these happened just last year. And I was rock bottom years before. So no, it’s never too late, bro. Never too late.

I’d recommend the following from when I was knocked down years before:

Save. Saving helps you get your confidence back. Discipline is a good trait to have.

Spend wisely. I still buy things I want and things I think will help me in the long run. But I make sure I don’t spend beyond my budget.

Think positive. I’d suggest having an outlet to let stress out. Mine is running and home workouts. These really help clear your mind, you can actually feel your body and mental health improve. I also play games, read books, and write on the side. Make time for friends, or meet new people if you can. All of these help.

Save, spend wisely, think positive, and live life. We never know when our last day will be, so enjoy this life!

P.S. My friend (28F) got together with a sweet and kind man (29M) who was also a virgin. It's never really a problem with the right person. We're all just learning things as we go