In the wake of a recent birthday, I started doing some napkin maths today.

I've never been in a financial position to feasibly consider #HomeOwnership, and it's been becoming less so over time as the years go on and the #Economy gets worse and worse for those not already millionaires. I admit I got a late start feeding a portion of my wages into 401(k)s, but it's still looking like the closest I will ever come to being able to #Retire is getting new ones for my car.

Accumulating enough savings for a 20% #DownPayment on a house when a burnt-out shack in an empty field lists for $300,000? It is to laugh.

And let's say I do manage to secure property and a mortgage for it? Most times I hear about this being a 30-year debt commitment. I'd be in my seventies before it being due to be paid off.

I'm a lot better off financially than I was 20 years go -- no debt, car paid off, I do have some savings and I'm no longer living paycheque-to-paycheque. When when I look at it macroscopically, it's hard not to #Despair.