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i like how a bunch of 30-50yo are roadmapping exactly what a 20yo needs to do to set themselves up in life, and even under the most perfect circumstances set out by RS napkin math they can barely make it. this ignores the fact that finances are never a straight line. we buy dumb shit, we travel, we invest in dumb shit that loses us money, we lose our jobs for a little while, we have to reset our finances sometimes, etc..
i can honestly say despite having a good job in my early/mid 20s i had terrible finances till i was at least 30, then had serious ups and downs until i was in my late 30s. i bought a house with everything i had basically and did renos and im basically back to broke again. my wife quit her job out of stress last year and went back to school to refresh some skills and is looking for work again now.
to get to a good stable place and own a house that you don't see yourself needing to upsize out of for a long while or ever, i think you really need to be in the top 10% in the lower mainland. not everyone is gonna get there unless there are two high earners in the household and with family help, and that's despite life's hiccups that never seem to stop coming.
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