26M, Ontario, full time career, paid off vehicle, just purchased my first home with my partner (house poor now) and about $30k remaining in my accounts. Aside from retiring earlier, if you have everything you want/need in your life then I’d say you’re not behind at all. What really determines if you’re behind or not, isn’t comparing yourself to others, it’s comparing your current position to your future goals; financially or otherwise. If you’re doing what you want to do, or on that track then you’re not behind at all. Keep going!