Economic progress (faster, better, cheaper ways of doing things) has historically been the way to stay ahead of inflation.

This coupled with a market that has better than average historic and projected appreciation rate. 

Rates are obviously historically low, but you get the point (pun maybe intended).

We have historically achieved outstanding ROI. 

It's well documented in my city (Madison, WI) that African Americans have historically been cut out of home ownership through redlining, discriminatory lending, etc.

That’s the best bet.You can even reach out to @Will Pritchett @Robert Finn @Betty Cruz as they are all local San Antonio people.Also...I know you didn't ask for this but just in case; some perspective here - the historical average of interest rates is 7%.  20 years ago, when I got started , all the rates were 7%-8%...but those of us that purchased real estate then are millionaires today.  

So with permanent life insurance you get free insurance as it is paid for by the increasing return.A Roth IRA has a low limit of $6k premium per year, and if you are a high income earner you can't even pay into it.A brokerage account is not tax free, and historically the S&P500 returns on the long term has been in the 7%-9% range pre tax.

I happened to think the last season was absolutely fantastic with some of the best episodes and storylines ever, after many fantastic seasons and many fantastic episodes)Frasier (recently remembered how good that show was)Young Sheldon (getting a kick out of it)Peaky Blinders (guilty violent pleasure)Chernobyl (historical)American Horror Story, Season 1 - Murder House (the subsequent seasons are not as good, Hotel is pretty darn good)True Detective Season 1The KillingHouse Of Cards (the last season stunk) 

When I used to build/remodel custom homes in a little SoCal beach town, I would occasionally come up against the most Dictatorial, Totalitarian, Marxist/Fascist organization known to mankind.......a small town Historical Review Board run by a bunch of blue-haired old ladies and given virtually unlimited powers by the City Council.

I am the architect behind a historical piece of legislation in California that will, hopefully, correct the economic wealth gap that makes it a challenge for some to create the scenarios that lead to economic freedom.