Waiting for life to start?

I feel like I am waiting for my life to start. There are so many things and places I would like to do and go. I will be twenty soon and I just feel like life is happening all around me but I am not moving or changing. The only thing I really like is my job at a wine and coffee house and hanging out with friends. A few of my friends are moving away, getting married, having babies, and graduating. I will be a junior next year and feel like I am at a standstill...not dating, have hardly any money, and just feel lame! Thank you for your help.