> No matter how hard you work, unless you're in the top 5%, you're far priced out of most places most people want to live. That's not even true. I have a large

> No matter how hard you work, unless you're in the top 5%, you're far priced out of most places most people want to live. That's not even true. I have a large set of anecdata, with people below median income buying houses, and people in the 5% being afraid to buy a house (too risk averse to the point of being detrimental). If owning a house is your priority, you will make it work. My conclusion is that a large set of people just don't have the basic skills to maintain a house, or simply don't want that responsibility, despite being able to afford it. > So you've pretty much given up on housing. What's the point in working hard? What's your plan for when you're 50, broke and almost unemployable due to ageism? Who's going to rent to you and how will you afford it? Are you going to be a squatter? Do you plan to wait until your parents die and live off the inheritance? That's cool if you don't have answers to those questions when you're 22-25, but what about 35+, like most millennials now are?