There’s still hope, I just recently bought a home just after turning 40. You just need to put a ton of money into savings, go bankrupt paying medical bills after something bad happens to your spouse, spend 7 years in borderline poverty, and then have one of your parents die the same month they retire and collect their retirement fund.

I hate that the best thing my father ever gave me was his pension.

But but 50 year mortgages. Pounce now and you can own by 90