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You'll be saying that about the 2010s, come 2045. Tread your own path.

You're over thinking things. They have been able to increase their lifestyle because as they get older, they move up in their careers, make more money and have more savings. Same thing happens to everyone. In 6 years my income has increased 5 to 6 fold which means I can now afford more. Not...

Herd mentality is also a great way to make money.

Houses are unaffordable for some, because there are people out there who can afford it and are willing to pay a price you can't. So what's unaffordable again?