The saving is the most crucial aspect one needs to look at, and there are many avenues, and not real estate is the only bet and there also the returns are not guaranteed, for that matter nothing is guaranteed in the world. The risk taking ability is better at a younger stage of life compared with the same being done at a later stage i.e. towards retirement. So better late then never, think hou much you require in 1 yr, 3 yr, 5 yr, 10 yr, 20 yr ... for your kids education, marriage, retirement and stat working towards the goal. Simple, you have done your financial planning.