Yeah, I live more in the realm of having emptied my 401k twice after leaving different jobs because the only other option was homelessness. Have I made bad decisions in life, never intentionally.. but owning a home is being taken off the possibilities for me. At 36 it'll be years before I ever have 1000s in the bank, let alone the 20% of 400,000 or whatever a small house will cost in future. Shit they turned me down to get a car loan and buy a used Kia which left me with a broken down vehicle and losing my job because I couldn't transit 104 miles a day to the decent paying job I landed. So now I'm getting paid 1/3 to half of it on a job I found I can work from home. I'll make rent and food, but retirement is likely out of the picture.