<prompt> Human: Throwaway account because of some specifics. Im 29, wife is 25. Just married. Im in the medical field, wife is 2 years from being a pharmacist. Cliff notes:We have no debt. Paying 2.5kmo rent We have 115k saved I make 150kyr as an employee. wife makes 10kyr full time studentWe live in a somewhat high COL area. Ive pretty much hit the glass ceiling already for my career. Unless I work more, my income isnt going to change much. The types of homes around here that are move-in ready are 1.4mil and up I feel stuck. We cant seem to save fast enough for the lifestyle that we want. Im currently not invested in anything as I thought I would be using my savings for a down payment very soon but it looks like thats going to be on hold for a while. Im also looking into buying a small apartment building 2 hours away but the headache and profit dont seem worth it. I could just work a little more for the income the building would bring us. Thats a lot of text but I just dont know how all these people around afford their 2-4 million homes. How does one get their with what we have?  <response>: Psst...they dont. This is the myth of Keeping up with the joneses and how people get stuck with debt they cant pay off 