😆 I feel your pain . I also have a champagne taste and a beer budget. And of course you don't have to live where your real estate is. But a duplex and hire someone to rent and take care of it. Doesn't have to be vacation property.

And another option is go in with your friends on a place to live. That one gets tricky of course.

And as one person said , just keep doing what you are doing , but at a higher level. Keep saving investing in stocks. Compounding is very powerful.