Taking out loans to get a gender studies degree isn’t lazy. It’s a bad financial decision to invest in a degree that isn’t marketable.

Bought my first home at 22 for 75k while earning 35k salary. Had a couple thousand in savings for the down payment. No huge inheritance. Just didn’t buy new or beyond what I could afford. Assume starting salaries have about doubled so you are looking for a 150k starter home. That’s doable. Then you build equity and eventually move in or out or up depending on your goals. I didn’t start with a half million dollar home at 22 but I got there by 45.