Most can fulfill their wildest dreams in the first two categories.
Housing remains something to dream about.
For those who manage to fulfill their housing dream, life changes. A major mortgage stretch becomes an island of fixed expense in a sea of shelter inflation. Better still, spending on shelter is magically transmuted into rising net worth as home appreciation equals or exceeds ownership costs. Add a few stock options, preferably in a first round start-up company, and life can get very, very sweet. The hard part is getting started, becoming part of the dream.