Better not let the age 28 bug you. At the end of the day, is whether how much you keep in the bank.

let say a 28 year old earning RM6K, RM1.5K for car, RM2K for house, RM1K monthly expenses. RM1.5K in bank, or worse if you go shopping and mamak everynight, probably saved only RM500.

i can say most people will buy car first to show off, paying more for petrol and spare parts. they may look rich on the outside but they are poor on the inside.