My father in law told me homeownership is all about discipline.

So we did the math.
House we looked at:
Down payment: $95,000.
Our monthly savings:
About $450.
“Just stay consistent,” he said.
I showed him our budget.
No vacations.
No car payment.
No streaming apps.
We cook at home.
One old phone.
One old car.
He stared at it for a minute.
Then asked, “How much is your rent?”
“$2,350.”
Silence.
“I paid less than $500 for my first apartment.”
Exactly.
This isn’t a spending problem.
It’s a price problem.