We are in our early 50s, no kids no debt. Lots of savings. No, it was never “affordable”. The bank says we can afford to buy and would love to lend us a large amount of money, so we can buy a house here, or retire. I choose retire. My husband has his own business so he can work from anywhere. We’ll probably move to Ashville NC (he’s from there)next year and buy a house with cash. I don’t want to work another 10 years.