Take a year and go see the world (20K will be more than enough to do it with your age). Go test yourself and specially leave your comfort zone. Pick a place in

Take a year and go see the world (20K will be more than enough to do it with your age). Go test yourself and specially leave your comfort zone. Pick a place in the world and go there. Live as a native. Don't be afraid, you have a safety net and a safety net will boost your confidence dealing with any possible problem. Live in the present for some time of your life, you'll never forget that experience. Start to worry about future at 28-29. Focus after 30. Start as early as possible (after/during college), not at 27 (when I managed to have a safety net) because you will not be ready to focus at 30. You can always call yourself a late bloomer but your level of anxiety will raise exponentially. I wouldn't advise you to go in this way.