The younger than GenX generations complain that housing is unaffordable for them. It ALWAYS was. I still think I overpaid for my house 21 years ago. If you want a house, you just gotta save up, jump in, and do it and be scared the whole time. There is a double digit probability that you'll get semi-used to being scared. But they also need to not discount their ability to adapt and find a way through.