I’ve sometimes “not worked” due to just saving up and I dont drive and have low basic costs (makes me sound like a cheerless weirdo but really it suits me!)
when I bought my flat, I went for one I could get with a mortgage of less. And I have a lodger. And up north too 
It’s an “up and coming area”, but works for me.
Close to the city centre so I can be seeing art in 14 minute walk and regularly see new exhibitions, go the opera, yoga almost daily.
Interestingly, the guy I’m dating (who DOESNT support me financially) has similar views to money - he’s on six figures, but is childfree by choice and bought a “nice one bedroom flat” rather than have the heavily mortgaged house in the suburbs and children. He isn’t a spendthrift but likes getting away camping st weekends, that kind of thing. He can easily retire early.
He’d marry me if I wanted, but I can’t see the advantages.
I want to do a PhD and mortgage should be cleared in my 40s easily even if I work part time . I’d love to travel but think the phd would be more fun.
I’ve frequently been “advised” by older women that I should get a flat in the posh end of town, where the mortgage would be massive?
Or been told that I’m living some second rate lifestyle and I’m a “sad spinster” whose man doesn’t want to impregnate her and move to the suburbs? (I’m childfree by choice)
Or who get all sniffy and start telling me about all the jobs I “should” be applying for at their cousins shop or whatever (hinting I’m on benefits) as if I’m spending my free time selling drugs to infants or something 
Am I meant to fight fire with fire and point out that being stupid enough to get up the duff with Andy from night shift in your first job probably means they have higher living costs than me?
And these are the same women who complain because they feel they’re stuck in low status jobs at 55, doing all the Wifework for equally low earning husbands and subbing children. It’s all the “fault” of posh
women and women who don’t work, though.
I try not to be competitive, but secretly feel they’ve earned their shit lives with their revolting controlling attitudes
Moral of story: people are goady fuckers, do what works best for you and your finances.