Hello student don't think about others what are they doing are not just focus on your self as you b said you're in your 20s this is not a age to give up on your academic if you wish to start preparing for SBI it's not late many students start preparing for SBI after completing their graduation and post graduation.

Life is like a boxing match defeat is declared not when you fall but when you refuse to stand again.

In your free time instead of playing games on your phone you should read about some of the top entrepreneurs and business persons.

Giving up is not the solution of any of your problem just work hard and achieve everything you want.

In case you want any information or you're feeling low we're just here to help you.

Feel free to comment if you have any doubt

Good luck