For housing to be affordable, the rule of thumb is the monthly cost needs to be about 1/3 of your (net? gross?) income. so either housing costs need to come dow

For housing to be affordable, the rule of thumb is the monthly cost needs to be about 1/3 of your (net? gross?) income. so either housing costs need to come down or your income needs to go up. We get screwed when we have no real leverage to increase income. You can grow it somewhat by job hopping, but even that has limits as you age. Even if you save and invest, divorce and medical bankruptcy will fuck you over.