If you are scared of men, how do you think your life would be living with something scarey. Dont let yourself be used, that only makes things worse in the long run and I am talking from experience.

If you are in college you are already doing something worthwhile. Something that will be part of your future. Cars are very expensive to buy and run so wait until you have a job.

Should you improve your skills on the instrument you are playing the world could be your oyster and you could travel the world as part of an orchestra. Play in the park or the streets or see if you can find a night club where you could get paid and meet people. Maybe put up a notice some-place where you could join others and get gigs and stuff. Ask to play in fancy hotel lobby's. I dunno anyplace.

Stop putting yourself on this imagined timeline. Is there anybody in your life that is giving you a hard time about not having done stuff. If there is..... tell them to stop it. Please try and ease up on yourself and enjoy the time you do have. Is there anything that you do want to do? 20 still is young. You are still changing.

What instrument do you play?

You are NOT a loser. You are skilled and talented and deserve your place in this world as you are.