I also see that. as much as I would love to have been born earlier I clearly see being born later is worse and worse. In my parents time part of the "dream" was to own a home free and clear. I decade or so back I realized young folks did not even understand that. The dream was warped to be to just have a mortgage backed place at all. It feels like now its the eternal mortgage that doesn't do anything more but protect against sudden rent spikes. I foresee the dream becoming just renting a place of your own without roommates.