Homes are bought with credit as soon as you can afford to make a decent down payment. I was 19 when I bought mine. Toys are bought with cash saved and held for the day when you have enough. I paid cash for my motorhome, used of course, in a short sale that the original owner was $60,000 upside down in. She is still paying it off, I have no payments. Who do you suppose is enjoying this more?
I didn't need to buy fancy cars, boats or other toys until I could pay cash for them. It is a great feeling, knowing that I earned every bit of it.
Just my way of making life work. So far it's been right for me, retired at 53 with everything paid off. 43 foot motorhome for the winter, 40 foot boat for the summer and a fancy car to drive in between, along with a collector car for sunny days, and a house when the mobile property isn't being used. Did I mention working 2 jobs for most of my working life?
Keep working on it, you can succeed.