The year I was 24 was a really important, liminal year for me, but I hadn't the faintest idea of that when it began.
I met now-DH 9 days before my 24th birthday, when I was 6 months out of an abusive relationship. I was training as an accountant and doing a PhD part-time to keep my head busy lest I tip over the edge altogether. I was living with a group of school friends, close to London, and working every available hour because a Big Six (as was) traineeship meant they thought they'd bought you. Very materialistic and money driven.
By the end of the year, DH and I were engaged, I'd moved me and my traineeship to the South West to be with him, I knew accountancy was not my future but I finished it partly out of pride and partly to pay for the wedding / PhD. Starting to relax into making a home and a life together.
We've now been married 22 years, I work in my PhD field (qualified as an accountant 6 weeks before our first DC was born! Never went back.) and we have 3 teens, a tween and a dog. Moved back to just outside London. Grow our own vegetables and knit our own local community etc. Very happy. We often say this is not quite what we saw in our future when we met, (we had plans for at least 5 years living in London, carousing) but we are very happy.
24 is hardly any age, but like you I thought I'd have it all sorted out by then. You don't need a concrete plan, just a willingness to say yes to what seems right.