How bad is it? (20 years old)

I’ve started to notice smaller hairs on my hairline and more hair falling out when I wash/comb my hair. I was wondering if these are signs that i’m in the early stages of my hairline receding. I’m pretty sure my hairline is the same place it was a couple years ago but it might start to get worse. Finasteride seems expensive and has some side effects like ED, so I don’t want to jump straight to that until i’m sure that i’m actually balding.