[MaKey]

Living in a flat while also owning it might have been a viable option in the past but that ship has sailed quite a while ago. In major cities - which is where the good joobs are - you're looking at down-payments of 200-300k to arrive at your current rent and even then you'd pay the mortgage for 30 years.

[mmarq]

You can make 8-9K a year investing 200K in diversified basket of government bonds. It would pay almost the entirety of my brother’s rent.