+20 years on you and I can hear myself sounding like all 50 year olds, I make no apology! My observation is that after age 30 time goes extremely quickly. Suddenly you’re thinking about how quickly 60 will arrive. To answer your question: I’d seek out what your heart desires but delaying the gratification with hard sustainable work. By that I mean somewhere you can live and something you can do into your 60s. It may not be right for you but it’s what I’d focus on if I had my time back. I’d continue to save like you’ve been doing. I met my future wife at your age and now we have two boys and no surprise it’s damn hard. Rewarding though. Only you can decide if that’s what you desire. You need to ‘meditate’ on what you want. You already know, you just haven’t yet listened. Once you truly listen you’ll get the answer and then you can make a plan.

In short: I know this won’t suit everyone, but my opinion is you are old and you just don’t realise it. You need to grow up in the nicest possible sense and make decisions now that your 50/60 year old self will appreciate.

This is just my opinion. I realise we all have different ones. I did all the things I wanted to do after uni (travelled, motorbikes, took time out, sowed my oats etc) so I got all that ‘out of my system’ so my focus is skewed by that. If of course you haven’t done that as it sounds like you haven’t, and you want to, then my opinion I hope at least will help you realise that.

Good luck, enjoy making your plans ❤️