> the main difference between myself and my peers is that I chose to live with my parents and save for a house instead of moving out

That is 'small' cheat code if parents tolerable. I have multiple peers which got much better life and places to live because lived with parents in their 20s.

It just doing napkin math and even if you live 5 years with parents and doing minimal savings (saving rent and part of food) you already poses good chunk of deposit when comes to buying property.