Save from the time your 20s
Don’t spend money on tattoos , piercings , holidays , festival , social drug taking at the weekends , clothes and man bags , don’t tap your card for skinny white lattes and cream cheese and salmon bagel for lunch ( bring your own )
Work every hour you can for 2 years and save every week like clockwork
That’s what we did and got a mortgage with a 15% interest rate
It ain’t easy and nothing was handed to us on a plate and we didn’t make excuses
I had to move the the other side of the planet, then work 84 hours a week , in a 36 degree , 90% humidity hole isn’t the middle of the Australian bush while getting no sleep because the locals break into your room every night, for two years to buy my home , like you said, I spent most of my 20’s spending money on crap and I had to catch up if I wanted to own my own home before I was 33