It was very clever of you to choose to be born to tolerable parents with enough spare cash to let you live with them and save up, rather than jerks or even just poor parents that needed your help as soon as you got a job.
It was very clever of you to choose to be born to tolerable parents with enough spare cash to let you live with them and save up, rather than jerks or even just poor parents that needed your help as soon as you got a job.
That is 'small' cheat code if parents tolerable. I have multiple peers which got much better life and places to live because lived with parents in their 20s.
It just doing napkin math and even if you live 5 years with parents and doing minimal savings (saving rent and part of food) you already poses good chunk of deposit when comes to buying property.
And plenty of people do. I know people who could live at home rent-free and chose apartments anyway because they wanted independence sooner. That's a legitimate preference, but it's still a tradeoff, and pretending the tradeoff doesn't exist because some people don't get the choice at all helps nobody. "Not everyone can do X" is true of literally every piece of financial advice ever given. It doesn't make X bad advice for the people who can.