This is the Ramsey Call of the Day, part of the Ramsey Network.

Today's question comes from Meredith in Wisconsin.

I'm 27 years old and trying my best to do the baby steps so I can buy a house with as little debt as possible. But I feel like in today's

market, it's nearly impossible to find a decent house that's affordable. How can I accelerate my

savings to buy the house I really want that's currently outside of my budget? This is a tough one,

Rachel. There's a lot of people, especially in their 20s and 30s, frustrated right now with how the housing market has been the last few years.

And with wages not increasing at that rate, they're going, this isn't fair. Now the average house is 400 grand, and I'm making 30, 40, 50. How am I ever going to save up a down payment in order to get the

house that I really want? Yep. Well, I think that's the phrase there. It's what I want, right? And so

it's not always about what you want. It's what you can afford, even if it's not a lot. And it, and it does.

Like, it, it sucks that you look back and you're like, if in 2019, it was a different world.

And here we are in 2022.

And it's not that prices have, you know, significantly dropped.

It's slowed down.

The market has, which is great for buyers.

You have a little bit more room for negotiation and all that.

But it's still, a lot of places have still held that value, even when it's

spiked up.

So, you know, I feel like I'm going to sound cold, George.

No.

Usually that's your role.

Usually it's me.

I'm very happy about this.

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