No it doesn't. Further along also means financial resources or contacts that can make up the difference.
I have no idea how you could possibly say "No it doesn't".
It is probably true that people with more fiduciary responsibilities have more to think about when taking the plunge, but that is a tautology. People with more responsibility have more responsibility.
My point is that even if you have a house, cars, kid(s), student loans, etc. you can do it. It just takes a bit of planning a maybe a little help from your friends & family.