That's the most important part, my 20's were basically nothing, only after 27 or 28 that I found my current job and I started to do fine, but until I was 27 or 28 I was basically a nobody, lived terrible, was poor, and had so many troubles in life. After I got my current job, which I have been working for many years now, I started to pay all my debt back, and take care of my family, been very hard because I had many deaths in the family during the same period, when you are at your 30's, you start to lose loved ones, and they go one by one, and if not death, then at least sickness, like my mom had heart issue, but she got a bypass and feeling much better now, but that takes money and time as well.
So sometimes, you need to realize that things don't have to be easy for everyone, sometimes you face a tough life, and sometimes you have an amazing life in everything else, like I have my health, a lovely wife, a happy marriage, financially doing ok, not rich but ok, but I faced death of loved ones, when others look at your normal day, they think you are happy, but they do not realize that even after many years, that death still haunts you and sometimes you still cry, just because you have money or good marriage, doesn't guarantee you will be happy, it's of course very helpful, but doesn't mean all is okay.
It takes time for a person to stand up on their own, and depending on the country in which you are living this could be easier or harder, so it is not surprising that your early twenties went by without accomplishing some of your goals, as truth to be told that is often what it is experienced by most young people today.
However once things start going your way, we cannot become overconfident, as that is the time we need to save all the money we can and prepare ourselves to invest that money, since the sooner you can become an investor and the longer you hold that investment, the better the results you will get once you reach your retirement age.