“Sense of entitlement” – really? You sound so damn pompous. If you are in a position to save that kind of $$ and have done so, good for you. Here’s your freakin’ cookie.

Actually, he is not pompous… he is right. There is more costs to owning a house than just the monthly mortgage payment. How about insurance, repairs, and property taxes. When renting, you have none of these.

If someone does not have the discipline to save up money for the down payment, they will not be able to handle the expected and unexpected expenses that come with owning a house (you have to save up for them before they occur.. getting a loans to pay for the ‘unexpected’ just makes your monthly payment larger – thereby downward spiral and foreclosure).