When you were younger, you could have all these wild dreams about the future. But then, you also needed to deal with the reality of what was then right now - schoolwork, exams, all the practical stuff associated with your life at the time. After all, if you failed that test, your parents would likely give you a hard time, and you didn't want that.
Now that you are an adult, it's a similar situation. In parallel with dreaming big and trying to achieve your dreams, you also need to take care of things like making ends meet and paying bills. It's just how life is. It's just that these things have replaced your schoolwork and exams as the things you 'just need to do' in life.
Don't let all these things drag you down though. Although like school you need to do these things 'well enough' to avoid trouble, you shouldn't let your spirit of dreaming get tarnished by any setbacks in these practical everyday things. After all, a poor score on one test at school didn't affect your dreams about the future, right?
Another thing is that, for dream chasing young adults these days, 'settling down' has become a thing of the past. The practical realities of the biological clock and dreams taking longer to come true means that we often will need to think about starting families before the dreams in life have come true. However, starting a family doesn't mean we need to adopt the 'settling down' philosophy of previous generations. To us, the duties and hard work associated with starting a family is just another thing we have to juggle in life, on the long road towards achieving our dreams.
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