early 20s is young, no matter what you are doing. You are young but you are fairly settled, OP.
My son is 21. He is still a student at university, he works too, doesn't really live completely independently, hangs out with friends, sails, goes to parties. Most of his friends are similar or just starting first proper jobs.
His best friend is 21. He is living with his girlfriend for past 2 years (in apartment that is very slightly subsidised by family - was his grandmothers and they want someone to live there so give a slight break on rent), didn't go to uni so has been working as an EMT for past 2 years and is pretty settled.
At 23, I was just about qualified as a lawyer, yet to meet dh, having a good time socialising - came across my diary and letters from that period recently and there were a lot of weekends away with friends, trips to london, going to theatre festivals, going to cinema, working hard, meeting friends for lunch/coffee/planning holidays - no hard drinking or drugs or clubbing. different things for different people. I wouldn't have wanted to be home with a baby (and since I hadn't met anyone I wanted to procreate with at that point, it would have been hard) but was happy to have a baby a few years later.