The house part of Salivan I don’t quite follow. I understand not overbuying more than you can handle or need. For people without big income or businesses it would take a very long time to save the price of a house, especially if you are paying rent or high expenses for living somewhere while you are trying to save the full amount for the house. My granddaughters mom is employed full time, lives in a two bedroom upstairs apt. Rent takes half her paycheck, two teenage daughters, no car. There are lots of things I would like to see her change money-wise but truly can’t see her saving enough to pay full price for a home without a mortgage. Kids will be grown and gone before that would happen.