It's always worth doing everything to save what you have, of course.
Grow your hair out. If you really are a NW2, you can cover that sh*t up so easily.
Keep a job, keep saving money, keep taking your finasteride.
Things will look much better in your 30s. Trust the people on here.
In my experience, your 20s can vary a lot. Some people get their life figured out real quick, like marrying or getting that well paying job at 23. Others take longer. I think as long as you are good at 30, you seem to be set on a good path. Observations from friends and social circles prove this in my opinion. Some people keep slacking, thinking they can prolong their 20s - doesn't work. Others really regret not going through some rough patches in their 20s and they have a divorce, which is often worse because kids.
My bottom line: Not having everything worked out in your 20s is fine as long as you get your sh*t in order for your 30s. Things change pretty quickly around that time. If you got a clean slate at the start, you could have a lot of fun. So f*** yes, keep munching your damn finasteride and keep your hair.