Noticing wrinkles at 20?

So I'm turning 20 soon...as a result I took a really good look at my face. I noticed fine lines under my eyes that I hadn't noticed even 8 months ago. They're not hugely noticeable though. Anyone near my age group...are you seeing these lines under your own eyes too? Did you have them for years (as in genetic) or are they really early signs of aging? I realize everyone gets lines eventually, and I'm not gonna stress too much about it. I'm just wondering if this is normal for 20 or am I environmentally exposed to something that's making me get them quicker? I've been using daily SPF moisturizer the last few months in order to prevent from forming new ones.
Noticing wrinkles at 20?
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