Although I was never that wild to begin with, I was almost 30 before I settled down and married. And then we waited a good long while to have kids. During my 20's I only owned a few guitars and one amp. During that decade I was in what I refer to as "party bands," just conglomerations of friends that played covers at parties. Towards the end of that decade that began morphing into songwriting, doing originals, and playing clubs. That's what I've been doing with my spare time and dosh for the last 20-some years.
No money in it, but awesome fun.