I'm young, 22. I have a fulltime job and I work doing hard labor. I can't put money away, because I don't make enough.
How can I afford to buy land? and build a house without a loan?
It seems so impossible to do anything, and I feel financially stuck.
I don't want any debt. and I've never been in debt.
This comment is gunna suck but here it goes. There are 168 hours in a week. Cool, you work full time, as in 40 hrs? That is technically less than 1/4 of the week. My grandparents worked their entire life in order to buy their dream house and retire, and yet the younger generations expect to get things immediately that our grandparents and great grandparents worked their whole life to get. I am self employed and work 90 hr weeks and have been running my business for almost 6 years with little to show for it. Just this year I landed a deal that will bring in 125k the first year and upwards of 500k a year by year 5. If I had given up because I didn't see any results then this opportunity never would have arrived. Do the right thing simply because it is right to do, and work your ass off. And yes DONT get into debt, that's how they hold you back. People who say you SHOULD get into debt don't explain that it needs to be debt through assets that you can leverage. Debt needs to provide positive cash flow. Piling debt up onto a credit card only sets you back.