No, it definitely does not make you a loser. She is just being a bitch. IMHO the ages she quotes is kinda young. I am now 33 and just bought a home, gotta wait for it to finishing getting built though, and it's my first. I wanted to make sure I was ready before I took on the responsibility.
Now on the other hand, if your 22 and still living with your parents, then THAT qualifies you as a loser.
Just tell her to go fuck herself.
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"The towers are gone now, reduced to bloody rubble, along with all hopes for Peace in Our Time, in the United States or any other country. Make no mistake about it: We are At War now -- with somebody -- and we will stay At War with that mysterious Enemy for the rest of our lives." H.S.T. 09/12/01