I was about 1/3 of my way through the game. I believe I was about level 6 or 7.
If you're doing a "blind" 1st playthrough, I'd advise going off the beaten path a bit more once you're around Novac maybe. Get off the main road once in a while. Talk to every NPC, get more side quests, explore. Find stuff. Sell stuff. Kill stuff, level up. Buy more stuff. If you're having a lot of trouble combat wise, get a human companion to follow along, they're a huge equalizer & have fun quests/stories on their own too. Use VATS as much as you can if enemy speed is a problem. Or lower the difficulty below Normal until you're more familiar with the game. Nothing wrong with that. Not everyone has a playstyle conducive to becoming a fast enemy-pwner.
And yes, more description about chr/build etc. would help people give more specific tips.