<prompt> Human: I live in an area where 200,000 will get you a decent home at best. Its certainly more common to see them 300k and up. But Even at 200k, thats means I would need to have saved 40k to put down if I follow the conventional wisdom of 20 down. Where the hell do normal people come up with that kind of scratch? Am I crazy for being 29 and not having anything close to that kind of money on hand? Between the money that gets funneled into my 403b and pension, it seems like its going to be forever a way before Im sitting on a nest egg of near 40,000.Any insight???Assistant: People I know all got the money from their parents or a rich husband.I dont know a single woman who actually worked and saved for the down payment themselves. I know just one man who worked and saved for it himself.Its tough when youre on your own and actually have to work for things. Im trying to save up enough for a down payment single female here myself...to do that I basically work 80 hours a week between multiple jobs and drive myself insane from stress. I dont know how normal people do it without some kind of help or major sacrifice to their mental well-being.Human: Exactly. Ive been paying rent since I was 18. Not to mention student loans straight out of college. Not saying it isnt possible in the future, but I havent wrapped my head about how my peers are able to pull it off...  <response>: Well how much are they making? A mid 20s person could be making 10hr or 100k. 