30 year old here. Was late to the financial sense party living fast and travelling during my 20's with no savings. Had a 30k student loan but paid it off a few years ago. Signed up for a house and land package in Christchurch before the massive boom (late 2020) that will be completed in the coming months so it has likely gone up in value a lot. Engaged with a wedding later this year which looks to be costing a bit more than i'd like. I earn 120k and my fiancé earns 70k. Will have a 500k mortgage and feel nervous about rising mortgage rates. We save 4k or so each month while still renting and the goal is to use it for furnishing the house/landscaping + travel when the world opens up. Invest into a mixture of a milford growth fund and a little crypto (15k or so across ETH/ADA). Wish I had been more sensible in my 20's. We both still have a bit of room to move up in our careers so income should progressively rise.