$200K = $20K / yr over 10 years. An $800K mortgage, depending on interest rates, can easily cost $4000/month, or almost $50K / yr. If you can't afford to save,

$200K = $20K / yr over 10 years. An $800K mortgage, depending on interest rates, can easily cost $4000/month, or almost $50K / yr. If you can't afford to save, you can't afford the mortgage.