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Here in Germany you get a garage for 200k. If you're lucky. Small houses you can live in start at half a million! They press you into paying till you're old, and they're doing it for decades. I worked hard and creatively to never get caught in this, I'm in my mind 40s now and slowly I could buy or build a house. But now my children are adults and we don't really need one. So what, let's waste the money. Creatively ;)