RE: And invest in property as soon as you can...
This assumes:
1) You have the means to buy property
2) After you buy the property, you have the right tenants ( in NYC, the city is tenant friendly over the landlord and bad, non-paying tenants are VERY HARD to evict ).
Well, of course I was speaking in general terms and to use NYC as a rule is a bit myopic....
And there are very generous terms if you qualify to be a first time home buyer...
I state again, it’s your primary appreciable asset....