You got it spot on. I will leave my opinions on the Auckland ratrace at the door and jump straight to the point.
You cant jump right into what you want. You dont get a university degree today and then walk into Rod Drury's or any other CEO of your picking's office tomorrow. You need to work towards your goal.
My first house i brought at 18.5 years old off a part time and eventual full time job. ticked none of my boxes for lifestyle choice. Apartment, no garage, but chose the right suburb. Did it up, sold it 2 years later and made a very good profit, a 25% return, or 12.5% ish pa (too late to work out accurate percentage in my head, you get the idea). not a bad return, not to mention i didnt pay a cent towards someone elses mortgauge, my only real expence is the interest cost, the rest of the mortgauge is just paying off an asset i already own.
Yes, you can give up some things for a couple of years, its not hard unless you have kids. Reminder, this is outside Auckland, you Aucklanders have it easier if you know what you are doing, much much harder if you dont.
Now have a 3 bedroom place, massive section, double garage, 15 mins from town, and got it when i was 21, now i am nearly 23.
I do not intend to skite or boast, but just giving some fact. between the ages of 20 and 25 are the perfect time to put in the work and get a solid foundation to build on by the time you have a family, when everything becomes a lot harder. between these ages, and even before that, you are living with family or friends, your single, or at least only dating, your expences are nice and low, prime time to get that deposit together. Unfortunately most at this time enjoy the taste of money too much and drink it away, and finance a vehicle worth more than they earn in a year, because they "can"
I am not saying I did it right, or the best way, i never did the OE thing, or went to university, both things that may impact choices later on in life, however i have never intended to work for someone elses bottom line anyways, its a reality for now, but not much longer. Just a different way to achieve my goals. but when i look around and see those that did the OE thing and uni thing under 40-100k of debt they wont pay off till they are 30, never mind if any kids come along, its really no wonder people cant buy into thier 40s, and at that point they realise they want it all now, thier life is half over and nothing to show for it but a desk job liability.
Just another side to the coin i guess