Wannahorse, my post will probably depress you, but that isn't my intention.
I was horse crazy for as long as I can remember. Didn't start actually riding until I was a young teenager and could pay for the time myself (rode at a local stables, no lessons). I read everything there was about riding and would put into practice what I'd read (this was way before VHS!).
When I was a young married lady, my husband suggested I take lessons for something to be my own thing away from family responsibilities. That in turn lead to leasing a couple for a year. More lessons and than working/volunteering at a couple of barns.
It wasn't until I was in my 40's that I bought (or more accurately my husband bought for me as a b-day gift) my horses.
I feel for me, waiting to own was the right choice for me. I learned everything I could and got to put what I learned (not just riding, but handling and training and horse keeping) into practice when I was at the two barns. When my horses came home, I was ready financially, had the time, experience and abilities to take care of them and everything that comes with them.
I look back on those early years as a type of "school". Had that safety net of experienced horse people to help guide me while learning everything I could.
Get your horse fix (lessons/riding/talking), don't worry about owning one just yet. It will happen if you want it to, just might not be as soon as you want. In the mean time, soak up everything you can, it is never wasted.
You are a very level headed, thoughtful young lady (from what I have gathered by previous posts and threads), and you will be fine. I know it's tough to be patient (not one of my virtues!), but we've all been there in one capacity or another.
Wish you the absolute best!