As with many times when we use the word "should" (and you've used it a lot), the perspective you're sharing is deeply influenced by your own cultural background and might not apply to many people reading.

A few examples: school loans, considering a house purchase to be a sound investment, purchasing once-in-a-lifetime household items, saving for a wedding (from the age of 17!?) or marriage (not sure what you even mean by that if you don't mean the wedding itself?).

The details matter and are personal I agree.

Even if a house isn't right for you, you still need to save for the deposit on an apartment. You still need to buy furnishings for your apartment. You won't even know if a house is right for you until you are mid 20s to 30, so it is probably best to save for a house and if you decide at 30 it isn't right for you roll that money into retirement savings (if a house isn't right for you that means you need more retirement savings)

Relationships - even if you don't have a wedding or kids - come at the time you have those starting to get out on your own expenses. You will need to figure those out.

[should, shouldn't, supposed to, never, always]

These are key words to mentally breakpoint on and more carefully consider what is being said.