I live in Canada, did a degree in CS and work as a programmer. I do ok money wise. I consider myself lucky that I enjoy programming. I live in Toronto and ha

I live in Canada, did a degree in CS and work as a programmer. I do ok money wise. I consider myself lucky that I enjoy programming. I live in Toronto and have zero chance of ever owning real-estate (unless there is a massive real estate correction which would blow up the Canadian economy). Even if you consider a hypothetical marriage and doubled my income, it would be out of reach. Its even worse in Vancouver. I don't think its the end of the world. With a bit of luck and discipline, my retirement will be funded by investments. (edit: i am using the rule of not spending more than 30% of after tax income on housing)