People need to live where they can afford to live. Start off renting, in a low rent small apartment.  Save money. Put money down on a old and small fixer upper house in 5 years. Fix that house up, upgrade, as they can save the money to do it. In ten years, roll that house equity into a 3 bedroom family house and tadah, the American Dream.

That is how it works if anyone wants to get ahead. 

People don't get the wealthy lifestyle right out the gate. Takes work, takes saving, takes NEVER pulling equity out of a existing property just to buy "fun stuff" with.