A 22 year old doctor might think they'll never own a house. A 35 year old doctor has a modest house and a decade or two of payments ahead of them. A 55 year o

A 22 year old doctor might think they'll never own a house. A 35 year old doctor has a modest house and a decade or two of payments ahead of them. A 55 year old doctor has long since paid off their house, it's a decent house and it's worth a few million bucks now. Thus, viewed collectively the doctor class simultaneously despairs of ever owning a house, and owns a multi-million-dollar house.