How to start your life?

My boyfriend and I are both 21, work entry level jobs, have no idea what we wanna do with our lives. We managed to save our money and get an appartment, but we're at a stand still. No money for college and we don't want to be fry cooks forever. How can we start our lives? I'm afraid of spending money and regretting my choice of job. My passions are creating and adventuring. My boyfriend has yet to find his passions. Help?