[carlosjobim]

If tenants had enough surplus income to put into any meaningful savings, then landlords would increase rents accordingly to scoop up that money. Their entire business is to maximise the amount of rent extracted from the tenants.

It's unrealistic that renters could save themselves out of the hole they are in. Their efforts are much better spent making drastic career changes, high risk investments, or even extreme measures such as drug dealing or moving to another country, than thinking they can beat a game that is completely rigged against them.