This. I think too many people can think to a friend who purchased their McMansion at 30 and think to themselves that buying a home is unattainable. I realized that it takes constant self-reflection and discipline to build a 20-50% down payment on a 15-year mortgage WHILE socking money away for retirement, 529, and HSA. Granted, rates are lower than they ever have been historically but borrowing to get rich is still leveraging. I get ticked off when talking to real estate agents who only think leveraging is the way. To be honest, I don't have a credit score any longer. It's called manual underwriting!

The younger people that can qualify to buy a house aren't poor.