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it has always been difficult to save up a down payment. the challenge we are facing today is even if we save the down payment or a wealthy family member gets us 50-$100,000 for a down payment, you still need in most cases over $100,000 of income to qualify for the loan. that is the second hurdle. when you ask what is scary about this, if we can never buy american home is a generation, how will we retire comfortably if we are only subject to the ever increasing rent prices and can t have a home paid off and take care of homeowner insurance like the boomers do today? we have a big hurdle ahead of us. i like your optimism. we are not going to get anywhere unless we think positively. he also tackled the ongoing debate over or should we buy and mark printing is looking a lot more attractive to many right