Lack of consumer credit debt, and a steady savings rate. > Buying a desirable home in a solid market is pretty much the only way for an average person earning

Lack of consumer credit debt, and a steady savings rate. > Buying a desirable home in a solid market is pretty much the only way for an average person earning the median wage to make it into the middle class. Not true. You, too, can ascend from poverty if you don't fall into the finance-everything lifestyle of the (former) American middle class.