I'm not sure how to feel about my 20s too, but for a really different reason.
I was living alone, had a partner, was getting my university degree in a field I loved, and getting my driving licence. And then at 21 I was diagnosed with cancer. I'm 25 now, and I'm still dealing with it. Each time it goes away it comes back.
Now at 25, I can't study yet because of the cancer. I needed to move back in with my parents because of the cancer. I lost my ex because of the cancer. Still haven't got that drivers licence yet either, and you can guess why. So far, my 20s has been dominated and defined by my diagnosis. I've had to go through the grieving process of losing physical function as well as mental acuity through treatment. The latter was hard, I'd always been defined by my intelligence throughout my childhood. I'm rearing to get back into the world, I'm bored doing nothing, but also terrified to step outside the hospital bubble, it's all adult me has ever known. Every time so far I've tried to step forward back on track, returned to my studies, got a new boyfriend, I get kicked back down.
I'm not afraid of this killing me, but I am afraid I'll just stagnate for so long, out of no fault of my own, that I'll finally tumble out the other side and just be too stunted to function.
Apologies OP, it's late and I went on a bit of a vent 😅