Immigrant here... My parents were in their late 40s when we moved here. They never managed to buy real estate and we struggled, but I had opportunities I am grateful for. I took loans, went to university, then moved abroad to work and pay the loans down. When I paid them off, we got married and had 2 kids back to back. We have good paying jobs but haven't bought a house yet because it wasn't fiscally responsible to do with 2 mat leaves and paying for 2 kids to go to daycare. While I'm annoyed that the housing market exploded right when I was prepared to buy, I feel optimistic that we can get something next year.

So yes, it has been a lot of struggles, and I feel like I'll never catch up to some of my peers, but I have money in the bank and I have my health and my kids and spouse are amazing. We can afford way more than what my parents could provide for me and I feel like I made it. Everything I have, I paid for myself and I feel confident in my abilities to get through hardships. Home ownership would be great but I wouldn't trade it for everything I do have. You can't just dwell on the bad things. Sad and resentful feelings about looming problems don't make anything better.