I reached the same conclusion. Ultimately I do not believe my children will own a house unless I give them down payments. Ensuring your children don't start l

I reached the same conclusion. Ultimately I do not believe my children will own a house unless I give them down payments. Ensuring your children don't start life saddled with education loans + ensuring they can own a house are the two biggest legs up you can give them going forward. The alternative is indentured servitude and variable housing costs keeping them impoverished forever.