As for being 25 and not having everything figured out yet, to that I say: NO DUH. You’re 25! You’re not supposed to have everything figured out yet. You’re not even supposed to have most things figured out yet. That you’re even living somewhere other than a spare room in your parent’s home is a step further than a lot of people your age are.
When I was a kid, anybody who wasn’t a fully-fledged adult, very likely married, making payments on a home, and likely with a kid or at least one on the way, was considered a hopeless loser.
How times have changed. And not for the better.