I enjoyed reading your post. Sums up 2,000 pages of financial education books I've probably went through so far.

Because I'm close to my 20s- just left them :) - I find that sometimes, you don't know precisely what you want to do in life.

And that's ok. You can still make good decisions with money, even if you don't have a plan for the rest of your 50-70 years.

Following some healthy principles is enough - like:

*saving first, spending after saving;

*living under your means - and investing the difference;

*avoid going for investments with the herd - instead, learn as much as possible and only put hard earned money into what you understand,

I'm following you! Keep writing! :)