I feel similar as you do.
Life truly is a scary thing, all the responsibilities and all that come with it. Nobody ever tells you when you grow up that you'll have to 'parent' yourself, so once you are flushed out into what folks call the 'real world', it's nuts.
But understand that you are certainly not alone. I've found that humor of any kind helps me when I'm in a funk and over-stressing. Might sound cliche, but it's true. Finding anything to laugh about and just think, soon after, "Ah, jeez, this isn't such a big deal" is the typical route.
Much happiness and positive thoughts to you!