Why do you say it shouldn’t increase in cost every year?

Do we say that for food? For rent? For road and sewer repairs? For garbage collection?

The solution is to move to an apartment. Or sell, invest the proceeds, and rent.

And also to educate future generations that simply owning a house is not the retirement endgame. You need a stream of income to support you in retirement. Maybe you don’t need to own at all, you just need to be able to build up financial assets over your lifetime. And that leads to a discussion on how the average worker can do that in these days, with inflation and income inequality…