Jeez, NO YOU ARE NOT OLD
You are young, have enthusiasm, and it sounds like you have talent as well. so stop fretting about age, and just consider the future. Total waste of your time and effort fretting about 'wasted' time just build on the now towards the future.
Last show I went to
Me, late 50's started as a child stopped again, started again.
L, in her 40's started riding 18 months ago, did dressage and hunters
J, also in her 40's also less than 2 years in the saddle also dressage and hunters
N, love her mid 60's and at her first show, although she has ridden on and off for years, dressage.
C 24, started at 19, has had 2 babies in the meantime, riding dressage.
J, started at 20, now late 20's riding dressage
O, only a baby, just 16 and started riding last year, rode dressage and hunters.
Age is NOT a definer, talent, and hard work is
“Never attribute to malice that which can be attributed to stupidity”