[bitcrusher]

It's not impossible nor is it misleading. I think, frankly, that what you're saying is misleading.

You're able to do that because you're obviously "unattached" or "young"... You live in an apartment with a roommate. That's probably fine when you're single/dating. It's not super appealing when you're a person with a spouse and kid(s)... Also, as one progresses in age, there is a desire to stop having 'roommates' and perhaps even consider owning something.

The cost goes up considerably within those parameters.

It's "easy" to save 40% of your income if you live like a college sophomore in a dorm. It's not when you have other responsibilities.