This is true.
OP, I am in some ways the reverse guy to you and I am at 30. I moved out of my family's house pretty much as soon as it was viable for me (19), did a uni degree in something that does not pay well at all in proportion for the amount of work it takes, I didn't think about investing almost at all until I was like 27, and so never really took my money seriously.
But what I will say is that I have a great set of friends from varying backgrounds and walks of life, I have been travelling and on holidays, I have had many romances and all sorts of relationships, I have done some pretty cool and crazy stuff in my life, and I am highly balanced and educated (I hope lol).
You wrote "mum" so I presume you are a britbong. I highly, highly recommend that you ask for some kind of sabbatical from work, or in some sort of way take a chunk of your money, say £5k, and go travelling for like two months to Asia. You are in an incredible position for money and you have done very well, but your social life sounds very very concerning. I get that you are zen, but in reality you have made yourself a bubble - your mum's house. The best thing about travelling is that you embark on the hero's journey, but you also get to come back to the comfort of the bubble when you are done. Also, because you are (presumably) white, you get a massive boost of confidence going to Asia, and the more you move away from the big cities and tourists traps, the more you will be admired. You will probably find a qtgf too - maybe a fellow traveller, maybe a native, who knows.
Godspeed bro