How high up can you be before you're low again?

I've reached a high and I'm expecting a low. Here I am, turning 23 in less than 2 months and it has taken what seems like forever for me to realize that the world is not going to slow down or stop for me to achieve my goals. Maybe it's because I've been an adult my whole life, but I am tired. I'm tired of struggling, tired of heartbreak, and most importantly tired of wasting time. I know I'm not old by any means but I feel at least 35 (which isn't old either, but when you feel 12 years older than you are there is a problem). I mentally beat myself up all the time about how unsuccessful I am (my Capricorn is showing). I started college at 16 I should have a friggin Masters degree by now. Instead, what do I have? Well, 19 college credits, a crappy job, and a gpa that makes me ineligible for financial assistance. Not that I was rolling in the money when I was in college but in a way I was. I was receiving $800 per month from the government as long as I stayed in school via survivor's benefits from my father. I dropped out of college and they dropped the funds. I can do this without too much of a struggle it's just I've always been so goal focused (ie: I have to have a goal, even if it never gets completed) that I figured by now I would have graduated from college, married, and be working on a family. It feels like I skipped step one and ran right into steps 2 & 3. Which is great! I love my husband, but he's already finished with school and has a good head on his shoulders, he wants babies and soon (as do I). I just worry b/c in the real world anything can happen. What if I get pregnant and then he goes out and gets shot up in the hood (hey it could happen, watch the news). I have no education to support our baby. Usually I would fall back on my mother (terrible I know) but she's not doing too hot herself these days and I just couldn't do that to her, she's already supporting my older sister on a fixed SSI. Which all of this could be moot considering my sister (you know, the one that my mother is supporting) has a BS degree in Counseling and hasn't been able to find a stable job since she graduated. Meanwhile, my friend's father has a few hundred thousand dollars in the bank and never stepped foot inside a college. That type of success doesn't fall into just anyone's lap though, you have to know people, come from money, or at least know what you're doing. Lets face it, everyone I know with the exception of him makes under $50,000 a year, my family was always tight on money growing up (I mean like make each other's Christmas presents, tight), and I have no clue what I'm doing (Hello, I just used an analogy with the term "shot up in the hood"). Maybe I need to see a guidance counselor or maybe just a counselor in general.