Dude go to the pharmacy and get some rogaine asap! I'm also 28, was going through the exact same thing as you. Been using rogaine foam for just under a year and my hair freakin looks like I'm 19 again. Maybe even better because I go to a better barber now

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I was also on finasteride pills for a few months but stopped because I didn't like the sound of the potential side effects. I'm not sure I was on it long enough to have any effect.
Recently I've heard oral minoxidil (rogaine is topical minoxidil) can be really beneficial as well. Might ask my doctor about that soon... also incorporate biotin into your viatmin routine if you haven't already and stop taking stimulants (if you do).
If your hair is just "thinning" and you're not yet noticeably "going bald" then there is still plenty of hope. You could have many, many more pretty boy years on the horizon.
But even if you do end up losing it all I'm sure you'll still be hot as fuck. It's honestly just all about acceptance. Being sad and insecure over losing your hair is going to come across as pretty damn unattractive. But leaning into and adopting a new look with confidence is going to scream smoking hot maturity.
Just rock the new look with confidence and accept that you'll never be that kid with the "good hair" again. You'll always have the ability to be a strong, confident, attractive man no matter how many hairs you have on your head.
also having a really big dick helps.