See a shrink, that's what they're there for. I promise you the course of your life is not set in stone at 21. It is perfectly OK to just bank money for a year or two while you try to figure out what you would like to to do and mess around with ideas in your spare time. You might meet your future business partner at this job you're about to take up, or any number of other interesting possibilities.
There's no need to be so hard on yourself. You don't go about dismissing other people because they haven't reached the pinnacle of success at 21, do you?
There's no need to be so hard on yourself. You don't go about dismissing other people because they haven't reached the pinnacle of success at 21, do you?