I can't afford to buy a home! I hear this lament often, especially from young folks. Boomers often respond, saying, "Quit buying $6 lattes and ordering Uber Eats, and maybe you could save for a house." It might just be me, but it seems like that may oversimplify things a tad. I mean, there's no doubt a lot of young people would benefit from budgeting lessons. However, that doesn't change the fact that there is a significant home affordability problem here in the U.S. Last year, the average age of a first-time homebuyer in the U.S. climbed to 40 for...