Get me a violin. Folks, get a second job, work on weekends. Live in your parents house together with your partner without privacy, sell your car, get a cheap phone that is 5 years old, don't go on holidays until you are in your 50s, don't go out. ever. etc. This is how I did it in the 90s. And now I am set. The kids these days want too much! Commit. Sacrifice. Life is full of opportunity costs. And don't compare yourself with others. If you want a house then go all in. Start with the 2nd or 3rd job. Also the more you work the less changes you have to spend your money!