Fort Bliss, one of the largest Army bases in the country.Sizable Student MarketThe University of Texas at El Paso is one of largest colleges in the state, there are over twenty thousand students at UTEPHigh Demand for Affordable RentalsThe median household income for the US is roughly $55,000.

If that's true, and I believe it is for any business (or household), then Cash Flow is the "higher King".

If we do see an impact, it'll be quite a few years because that generation will not be forming households for about two decades.

@Max Householder thanks for the recommendation.

I’m thinking once we retire we can live off around $60k-$75k (in today’s money) household income assuming no debt.

To give a breakdown about my current status see below:-I’m 25 with a fiancé and 1 yr old -Credit Score is 637-First time home owner (6 months in)-Loan Balance is 199,740 @ 5.5% Interest (1550 monthly payment) (FHA Loan)-Appraised Value is 235,000-Currently household income is clearing only $626 a month after bills & living expense.

There are plenty of books with general information on household systems and supplies for small household projects are not expensive.

@Jonathon WeberTrying to follow along on your second example of household earning over the $315k threshold.We cross that threshold, and as of now our properties are all just jointly owned (in our names).

Millennials want to own homes, but for the reason listed in the articles plus some other( boomers aging in place, changes to household formation times, ect) the timeline is delayed.

Modeled for 720 months (60 years)24.71% effective income tax rate (based on a $70,000 per year household income)Saving 30% of your income3% inflation rate3.25% yearly safe withdrawal rate (SWR)$4,083.33 target monthly income in retirement (in today's dollars)Summary of assumptions for the account in this scenario.