If you don&#x27;t pay your house off early and if you put little down, a house is a financial loss, but it can still be a gain in that you live your life in it. And if you own it and can pass it on to children and so forth. like anything else, it&#x27;s not <i>easy</i> but it&#x27;s not super hard either. If you&#x27;re the average earner, discipline over the long term is the key.