Okay, I'm just wondering how people with lower salaries can afford to finance a house!?
- Build less expensively (biggest lever)
- Give up the third (or second, depending on the budget) car
- The first car is smaller/older
- Only one overseas trip (or none, depending on ...)
- Only one ski vacation (or none, depending on ...)
There may be other aspects. And then of course there are people who don't build at all.