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Honestly that sounds like not the whole picture. I think your perception might be because your clientele comes from the top whatever% of US society, where people make a ton of money.

Accoring to stats, the top 15% of households in the US has an income in excess of $200k - saving half of it and living like a king on the rest should be easy enough, while the median around $75k - even living frugally won't allow you to save a significant chunk of income.

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Over the last 16 years I've worked with a wide range of clients. Most of my clients fall within the median but of course there are many that make more or less than the median.

An important thing to understand is that income is not fixed. There are many things you can do to increase it. But even those making below $75k can afford a down payment on a home if they free up the money that's going toward debt, make changes to their budget, and choose an appropriately priced house.

and save up a down payment. Easier in some places than in others.

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