Nobody here is going to help a 20 year old kid run a cycle. The best advice we can give you is the advice you got initially. Wait until you are 25. It is up to you now if you want to heed that advice.
Fair enough. I was simply looking for some solid info to make my next move and I think I will take your advise on this one, just next time you encounter another clueless 20 year old dont just tell him "too young" but instead scare him shitless like you just did; Cheers and thank you all for your responses