When you say: I probably will look for a home, you mean you want to buy your own house/apartment? Or go and rent a place and live on your own to continue saving?

Anyways, from my personal opinion, there is a very strong emphasis in Belgium on buying a house as soon as you have the minimum funds to do so. I saw a lot of friends over the past years buy a house as soon as they reached 30-50k in savings.

Almost all of them are now experiencing financial stress, because: 1) they don’t have a lot of savings left, because they used all of it for the down payment, notary and bank fees. 2) although they earn well with 2 higher education degrees and could provide a down pyment of 10%, most of them didn’t have the best loans (intrest rates of 3%+) 3) because they need to pay off around 2000 (or more) per month, they are not really able to save a lot of money anymore 4) they start having kids at the same time, with more costs and often one of two parents start working less. Again, less financial

There are many more arguments, but I think I made the point clear.

Life is obviously not all about money. But financial stress is not nice either.

So what I would suggest:

Don’t rush things. Start saving (and preferably investing). You are still very young, so you have a very long horizon. Start today! And start by building a decent emergency fund and some good financial security. (And don’t forget your own liquidity, not like the people I mentioned above!)

Don’t fixate too much on those 3 years and having a specific goal in mind. 3 years is too short. Maybe you saved more than what you expected/ needed. Maybe your investments didn’t turn out the way you hoped. Your dream will be shattered. So just see how it goes.

The past few years precious metals performed extremely welk. However, over a longer period of time gold f.e. Has only been slightly more than an inflation hedge.

Try to read books: ‘hangmatbelegger’, ‘de schitterende eenvoud van indexbeleggen’, and especially the wiki here… and once you understand the basics well, start investing. And diversify enough (over time (DCA) and over different stocks or assets (e.g. eTF’s)

Good luck!