Help!!! I'm only 21 and I have wrinkles

I have a question about Anti wrinke creams and lotions that smooth wrinkles and restore skin. I am only 21 years old and I have very deep wrinkles around my eyes and dark circles, in addition to visible lines in my forehead. I’ve had a lot of stress from my job and pretty much everywhere else, I’ve been taking care of my self since I was 16 like lived on my own and stuff, paid for everything etc. I have a really good job and I really made something good of myself…but…well, it aged me with all the stress! It sucks and it’s embarassing! This is like the wrinkles my mom has and she’s 46! Anyways, she says that those creams make you age even more that they don’t work and will only be bad for my skin. But I want to make these wrinkles better! I take good care of my skin, although it’s somewhat sun damaged from tanning salons, and I didn’t know until recentl;yt hat most of the damage to your skin happens from 18-21. Anyways, I bought these skin care products from CVS called Lumine for women ages 50+ to see if it will help me. I wanted to know if it’s true that they will damage my skin like my mom says or not. I hate these thing, I’m seriously considering a face lift or chemical peel because it’s embarassing! I look OLD! the rest of my skin is fine it’s my eyes and my fore head and it looks like I have age spots but they are only from the sun. I wear a lot of make up to cover this up, which I also hate and does no good for my skin. I have no pimples and it’s not oily. I take really good care of my skin so these wrinkles SUCK! I can’t stand it, I can’t even be around my fiancee without my make up because it makes me feel like I’m 50. what are the best products (that are not TOO expensive) to help me with this, especially around the eyes? and will the lotions and creams I got make it worse or not? PLEASE help