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.
Been there, done that. I had 1 full time job and 2 part time jobs. I was too busy to party or eat out. Lots of peanut butter sandwiches to eat between jobs. I opened a 2nd bank account so after bills were paid transferred all I could into that 2nd account and never touched that. Definitely NO credit card use.