I can relate to both.
Only done my bike test last year and I'm 38.
all those wasted years.
Also about 10 years ago a house went for sale round the corner from my mums house for 38k (don't forget I'm NI so much cheaper). I thought it was out of my league then so didn't bother.
It sold a few weeks back for 270k
NI has the most vibrant housing market at the minute which is why mine is going on the market in a couple of weeks.