"the program" is only in your own mind. Who cares what the 20something sheep are doing? Are you really worried about getting behind the establishment curve or missing out on some great suburban opportunity?
You know what the number one cause of midlife crises is? Following "the plan" in your 20s, and waking up one morning and realizing just how much life you missed out on.
Do it, do it, do it, do it, do it NOW!
Succinct, elegant, articulate ... I gave you a rep point for this.