>you're entirely discounting any amount of time saving up, like a 22 year old graduate that rents for 13 years and then after saving up for that time decides to

>you're entirely discounting any amount of time saving up, like a 22 year old graduate that rents for 13 years and then after saving up for that time decides to dump 300k into property So that 22 year old starts out making the median, pretty good. Thats' 25k/year in 2010. 13 years later he's kept up and is making 39k now. He's supposed to have saved 300k to dump into a house in that time? That's probably more than 100% of his take home pay during that time period.