When the upper incomes begin to see affordability issues, you have an unhealthy market. I like life with minimal use of a car. Urban areas areas are far friendl

When the upper incomes begin to see affordability issues, you have an unhealthy market. I like life with minimal use of a car. Urban areas areas are far friendlier to a car-free lifestyle. Also, homes in the surrounding suburbs aren't that much cheaper to meaningfully change the numbers. Another 5 years of savings should do it. So, 10 years to come up with just a 20% down payment. I'd rather not compromise my future by foregoing retirement contributions.