20 year old balding? (Pics)

[Bluetwopac]

Hey guys, Im new here. Just turned 20 and have been noticing a weird pattern at the front of my hairline, not sure whether or not this is an early stage of balding etc. My dad is bald and possibly started balding late 20's/ early 30's. Over the past 2 years i have experienced id say a high level of stress. Am i just panicking or am i experiencing an early stage of balding? How many more years of hair do i have left? What would you advise i do? All comments are appreciated, thank you!