In the lat 80s / early 90s, my SO and I saved up for 7 years to be able to afford the down payment for our first home. Now, that would be more like 20 years, which is too much.
Time to consider moving to Europe or Costa Rica or Mexico City or somewhere, if you're in that boat now.
If you go this route, OP, and have an Android phone, then you should know the (very sad and disappointing) news that SyncThing for Android is about to be shut down.
Both the news site and the browser site worked for me.