Pensions or Parties?

So I think I'm having a quarter life crisis. I have a great education, brains to burn, and what am I doing with it? Sweet F A. Working in a bar that I don't like. Working hours that screw up not only my sleeping habits but my boyfriend's as well. (Working till 3am does not go down well when he has to get up for work at 6am)

The big question is... What am I doing about it?... And you know what?... The answer to that is the same as the answer to the first question. I should "want" to find a science job and use my degree, and I do... But I'm not exactly motivated for it and I make excuses- "I'm underqualified", "I haven't enough experience".

So... I come to wonder... What in God's name am I doing?

When I was at home (Ireland) I worked in a lab during the week and as a waitress at the weekends.  I can hand-on-my-heart say I was ten times more satisfied coming out of my waitressing job than I was coming out of my lab job... And why? Because I love working with people. I love the interaction. In the lab there was 2 people, myself included, in our department and I was bored, and lonely working there! I need people around me to thrive!

I'm 25 years old and I feel like I should be on the proverbial stepladder that is my career. I should be paying into a pension. I should be able to afford to go get a mortgage and buy a loverly house. But then on the other side I'm ONLY 25 I have a lot of travelling and excitement I want to live out before I "grow up".

So. What to do.

I'm living in Canada. I'm stuck in a rut. I need to find a new job before my head spontaneously combusts. I want this summer to be amazing. But I also want to save a sh*tload of money. I have plans in my head. And plans only go so far without money.

When it comes to science I just feel like saying "not yet". I don't want that yet. If at the end of the day I do decide that's the route I'm going to take then I'll go home, do a masters, and get a science job. Or if I get residency over here I'll do a course and try get into Pharma sales. But I feel like I've got something else going on inside me that needs to be acknowledged and given some attention first. And what is that?
 
I've no idea.

There's one question that incessantly nags at the back of my head...

How are you expected to know at 18, when choosing college courses, what you want to do for the rest of your life? I'm 25 and I still haven't a clue!