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I disagree with your having kids sentiment. I didn’t find the right woman until I was 33 and didn’t have kids til 39. I worked hard, got promoted and accumulated wealth before then. I started from nearly nothing. Now, my kid (hopefully) won’t have to struggle as much as I did.
And I chase that kid for 30 minutes until she gets worn out.
…
My advice, in your 20s: travel, make friends, make mistakes.
Get a job that has growth potential or become a rockstar in a small pond.
Find some hobbies, work out. Even better, find a hobby that also is a workout. Sock away 5% of your income towards retirement if you can handle it. Volunteer. Habits are formative in your 20s, you’ll find them easier to maintain (or avoid) in your 40s.
Don’t spend all of your time chasing tail or trying to find a mate. That’s a trap. instead, open yourself up to experiences, events and places where those things can naturally happen. And make memories along the way so you have fun things to share with that person when you do find them.
Get out of your comfort zone, get off of your comfort phone. Read a bit, learn to weld or sculpt or play an instrument. Take a dancing class, even if you go alone, there are usually people around to partner up.
Learn 5 or 10 jokes. Don’t be embarrassed to tell them often. Anyone from politicians to public speakers to hey, even comedians, will tell the same jokes over and over and over.
Get an Education, even if it’s a community college or a few professional certifications. It will demonstrate that you can learn. Absorb as much as you can while you’re young, because it’s true, learning does get harder as you age.
Take a course or two in psychology. Avoid people who bring you down, find people who build you up but are honest enough to keep you grounded when you need it.
Don’t live for anyone else, live for you. That isn’t to say be selfish, you’ll need people in your corner. But know that, no one else can experience how can experience. No one else lives through your eyes; no one else loves through your heart; no one else dreams how you dream. We have so few precious years on this tiny rock, so make them tell the story of you.