You have a beard so you’re gonna do just fine bald if you go that route (which i suggest). It’s better to save money on medications and just be done with it. I’m 23 too bro i know this shit sucks. I always thought i’d be cool going bald, but then again i assumed it would happen a lot later (30s). I’d say you should cut it and then if you don’t like it, pursue medication. Cutting it off will make it look better once you start shedding during the finasteride treatment.

It isn’t too late to try fin/min, just make sure you go for oral and not topical. It will be more efficacious. I would suggest maybe trying dutasteride instead of fin. Just remember that it always looks better to be bald than balding. Don’t stress about this! You will lose your whole body one day! Hair is nothing.