Do you know how to sail? Why such a big boat? First of all there is really more variation on size of galley is almost as varied by different boat as it is by size of boat. Of course the bigger the boat, there is more room for a bigger galley but that is often not the case. How many will be living aboard? I think that what may fit here is go small go now mindset, and I don't mean go very small but if it is just you then think lower 30 foot and you should be able to find something for your figure. But figure in some for refitting to make the boat suit your needs and catch up on deferred maintenance.
Thing is that boats are not always very easy to finance, and in order to get a loan you likely will need a newer boat, and that ups the price even more. Especially if you are young and don't have a lot of established credit.
My suggestion is to find a smaller boat say low 30 foot range that may need a bit of work but is basically solid. Good motor, good sails and good solid deck. Even if it is smaller than you want in a few years get out there and don't wait. Thing is boats are kind of like clothes, I can't tell you what will look good on you. I have never seen you, don't know if you are a man or woman, if you are fat. thin, tall or short, so I doubt you would be happy with the outfit I send you and it would be unlikely to fit at all. Same with a boat, one I may be happy with (heck I am an old man, well 50 so perhaps not that old) one boat and you might think it is the worst in the world. Also like clothes you are not stuck with it for the rest of your life, otherwise there would still be lots of folks running around in parachute pants!
So if you get something that is perhaps fairly popular, that might sell quickly if you get a big pay raise or get married, have kids or whatever. I would not worry too much about guests, they can sleep in a quarter birth, a settee, or what ever they are guests an not paying your bills. Heck the Catalina 30 (likely the first boat to look at) will sleep 7 people. You would not want to do it for very long, but it can be done! (2 in v-birth, 2 in aft birth, 2 on one settee and one on the other. Heck you could stick a couple more in the cockpit if you had to!) And that boat should fit your price range well. As far as galley goes, you can adjust to any galley. I have had some really good meals cooked in one pot, so it is not the size of the galley that really matters. We have a couple of professional chiefs here on the board that have 34 foot boats (granted they don't live aboard full time) but I can guarantee that they are making good food in those galleys!
One other thing, you say you are young, so just do it. Don't put it off for a couple of years, if you have the money ($30,000 is quite workable) find a job where ever you want to live and just do it. You are not going to have the "boat of your dreams" in your first boat, but it is the start of the journey. I know a 29 year old that is getting started out on her own for the first time, has no car, no apartment nothing but a suitcase of clothes. She needs a car, and wanted to get a BMW and I told her that she can't afford one, get something more reliable and sensible. Her response was but you have a BMW, and I said true, but I am not 29 just starting on my own for the first time either. Also if I had to do it over I would have a boat and a Yugo, rather than a House I don't want to live in and a BMW that I can barely keep full of gas let alone maintain.