 My guess is that Zachary can only buy a house if he has somebody else's income attached to it because he only makes $40,000. So maybe the conversation is if I really want to be a homeowner in two years, then I'm going to figure out ways to up my income in pretty dramatic fashion and not just settle for a $40,000 a year life in my mid-20s. I'm going to go for it. Or if you love your job, that's cool. It's just going to be longer than two years before you save up that kind of down payment.