&gt;&gt;In the real world, people rent because they can&#x27;t afford to buy a home.<p>In real world, you can always bootstrap your way to a decent nest egg, whether its a retirement fund or a home. It takes time, and it takes hard work. But is very possible and a lot of people do it.<p>If you can&#x27;t, then evaluate your spending patterns seriously. I haven&#x27;t met any person yet who didn&#x27;t have wasteful expenditure that couldn&#x27;t be eliminated.<p>More often than not its not the means&#x2F;resources, its lack of resourcefulness. People in general don&#x27;t have the motivation to take steps towards solving a difficult problem, and the discipline to suffer through a grind and see it through to the end. This of course is a very different problem, the responsibility of which starts and ends at a individual alone.