The wife and I moved into her parent’s basement (very nice mother-in-law suite) for a year to save up for our house. That was the “responsible” thing to do and helped accelerate our savings by almost $10k

The fiat clown world price inflation of the housing market inflated the value of any house we tried to buy by about $100k, completely wiping out any savings we had accomplished over that year of being “responsible” and saving up for a down payment.

Still lucky enough to have ended up owning a home before interest rates hiked to the moon (also result of fiat clownworld money), but man when you get punished for doing the “right” thing… that radicalizes a person.