I been following this thread with some interest.
Born in 1959, reared very very lean in a 900 sq ft subsidy bungalow, (typical 4 Yorkshireman story) but "larned" to only buy what you could afford.
Anyway, 60 + years later, well set financially, with a bought and paid for house, and one to spare, plus some reasonable acreage(including multiple potential sites) plus bought(with a not inconsiderable contribution from each child) 2 houses for the children, cash down, free and clear.
All on a Council supervisors salary, never even reaching 30k a year after many very incremental promotions and increments, with the wife a teacher.
Simply by dint of the now fashionable "FIRE" mindset.
Each of us worked 2 jobs, Saved, like fornication, only bought a second hand car, shared between us, and 2nd hand furniture etc etc.
Then bought a basic home for cash, did it up ourselves, rinsed and
repeated.
Still eat leftover foodstuffs and hoard shit, nowt(with a nod to the Yorkshire men again)gets wasted.
Many mickle makes a mackle(bloody Yorkshire men get in everywhere, don't they!)
Anyway,
I continue to be either perplexed or horrified at the prolifigate way so many people live, while they constantly complain, "it's well for them, they can afford it".
P.S.
Most(all bar 1, other than me, that is) of the minimum wage workers I work alongside rush to the cafeteria or canteen to buy "scrans".
I.e. No packed lunches.
I realize the NI property market was not representative of the UK market when we first bought.
However our 27 year old daughter, ( and working for the desperately underpaid NHS as a physio) is well on her way to her third dwelling, bought "cash down". But she drives a 10 year old car.
Though property prices are going mad, so she is not rushing into another purchase.
I am aware the above account will be rubbing salt in some wounds, but that has been a simple account of my/our experience.
EDIT
Yes I did get an inheritance, some 15 years ago, the absence of which would have made some difference to our progress, however . . .