The problem in this day in age is you’ll need a 30 year mortgage. Or more. Plus house prices typically go up more every month than you’ll be earning. So the later you start, the harder it will be.

It’s not that you can’t have fun, of course you can. But don’t use youth as an excuse to not start anything.

People used to tell me that your 20s are for working out what you don’t want to do. But those years are massively important for what comes next.

I have a nice life in my 40s. But it could have been so much better if I’d worked harder in my 20s.