You are
the guy who thinks too much.
You are constantly fed with thoughts of inadequacy that you will
never feel 'enough'.
You will tell yourself, there is still NS, probably after NS first.
Then probably comes higher education.. probably after that bah.
Then comes work... probably after a while bah. Then comes money...
probably abit more bah...
As you aged, you will come to realise that Love is not something
that automatically comes to you when you are finally 'prepared'.
And what makes you think that the ones that came to you are the
ones you are seeking?
It seemed to me you are more fearful of the repercussion of risky
relationship at this age, more than anything else.
Don't get me wrong; I don't want you to step into a relationship
for the sake of it. Rather, understand that your reason of not
accepting and acknowledging this Love is out of fear, not because
you thought it was more rational and logical to build a career
first.
I have a friend who had your sort of thinking; his first gf came
when he was around 32-33.
And then it also failed, despite feeling decently 'enough'.
Some things won't change in Love - your amount of lessons needed
for 'graduation'.
When you are enough? Chances are, you will never be. 
Cheers
