OP, all your 'haha's in response to your 'What am I like remarks are a worry.
If, at 50, you can look back on your 19 year old self with anything other than amused surprise, indulgent disbelief, some embarrassment and a huge helping of 'what was I thinking?' As you smile at the little contrarian know-all you were, then - you haven't grown up.
The mere idea that at '14-15' you can have sufficient 'training' to be 'financially stable' at 19 is, frankly, laughable. Sorry.
I had mine at 36 and 38. This was, imo at the time, rather late for me.
Like most mums, I don't regret them; especially when I recall the fun, adventures, new people, new situations, new countries, trials and tribulations, career shenanigans, scrapes and capers that got me there, the things that turned me into a financially stable, mature, experienced woman at 36- those things!- but, I wish I'd been 30 and 32 if life had worked out that way. But you're choosing young. And not 'on the young side', that's 24.
And I glance across the room to my 19 year old DS2 who is going to uni next week, and see how he is throwing the gates of his world wide open, while you plan on cooking currant buns for tea.