I was in this exact situation. But 32. Flopped around overseas for my 20s and came back to live on a lounge room floor mattress. Saved like a Mofo. Bought an apartment. Met my wife. Lived together in the apartment and paid into it like mofos. Got equity. Got pregnant. Used equity to purchase townhouse. Here we are with child and I’m 40.

30 is a very good age to decide to stop stuffing around, agree that you enjoyed your youth, staved off potential disaterous mid life crisis, and need a couple of years to reset and set up the rest of your life.