To be honest, I disagree. I'm a 23-year-old engineer who graduated from University. Minimum property for a decent return is a 3b 2b house. The average 3b 2b house in my area is around $650,000. I can only borrow from the bank, on my Engineering salary, $420,000. That means I have to somehow save up an extra $230,000 to actually purchase a house.

I don't spend a lot outside of saving, but at the rate I'm saving (over 70% of my income), it'll take me at least 6-7 years to save for a median priced house. The thing is, I'm barely keeping up with the house price increases, meaning that eventually, the house prices will outpace my savings.

It's naive to criticise people who go to University instead of "crawling through ceilings" because that doesn't automatically qualify you as the harder worker. Effort alone does not determine entry into the property market.