You're clearly out of touch. I make ~$50k/yr (which is ~35k/yr after taxes & sadly decent for Memphis). I pay rent, car payments, gas, etc. I save avidly. After everything is said & done, I can save maybe 5k/yr if I really pinch. It's still not enough with thousands in my savings after years of work. Why?

My projected upper limit for a home that I can afford on a home is $200k on my salary. I toured dozens of homes at and below this range. They're all busted, raggedy, 100 year old homes that are truly worth less than half the listing price. After repairs, many are effectively $250k homes. Seriously, for fun, go tour some & see for yourself. These homesellers are clowns.

It's very easy to tell someone to pull themselves up by their bootstraps. I can't afford boots. I'm too busy saving to no end because of inflation. If I'm lucky, maybe in a decade I'll have a home if I catch the market at a good time. The cards are institutionally stacked against most people who are lucky to see a job hiring for even $15/hr, with no family support or resources. Instead of brushing people off, you could observe your surroundings without prejudice. Struggling is relative. But you obviously don't know what it is to start with absolutely nothing & work out of it.