I am 23 I am a stay at home mom. I know that one day my 2nd baby will go to school and I will "basically" not be needed at home anymore. I am at the same impasse that you are. I don't have a clue what to do with my life. I have several ideas of things I would like to do but, all of them take school and as you said I don't have the money either. It's so frustrating. My hubby is set on his career but, I am not so I feel like maybe I am lagging behind sometimes.
I just wanted to add that although I feel behind and sometimes that my future is uncertain I am perfectly happy with that. I could