I went right into college after high school. It was what I was programmed to do from an early age. Blew my first year of college and $10000. After some time off, which was needed to apply some place cheaper, I resumed, only transferring 18 credits from that $10K.
I think that if you feel you're not ready, then you're not ready. See some stuff first, maybe, and then decide what you want to do next. Maybe I'd have saved $10000 if I'd done that. (shrug)
Now I'm working at a good job, for good money. I've gone from one job to the next based on who made me an offer first, except this job. With this job, the choice was a little more complex, as I got two offers at around the same time.
Nice.