I could probably save for a down payment, and I even have a kid now, but I have so many reasons why buying a house doesn&#x27;t matter to me right now.<p>Most of my savings goes to retirement, which is now in the realm of being a down payment for a nicer house. Assuming my portfolio does the same as the worst 25 years of the S&amp;P 500, it will still beat buying a house. When I&#x27;m older, and I&#x27;m not trying to play catch up on my retirement account, like so many 40 and 50 year olds end up doing, more of my income can go to other things, maybe even a house.<p>I&#x27;m super focused on my career and family right now. Why would I want to buy what amounts to a giant time sink?<p>Bottom line, by focusing my time and money on personal growth. I&#x27;ll be in a much better position than if I bought a home.<p>When you just do the game theory on the American Dream, it makes no sense at all. Taking compound interest into account, buying a house when your young amounts to flushing hundreds of thousands of dollars down the toilet.