The math is relatively simple, but the social/political/macroeconomical policy influences to wages, interest rates, property values are non-trivial and probably

The math is relatively simple, but the social/political/macroeconomical policy influences to wages, interest rates, property values are non-trivial and probably require a brief incursion into basic economics before a fruitful discussion could be held. Otherwise, just tell them the lie that you can own a home if you work hard for 30+ years.