Homelessness + loans (credit cards) are on the rise and births are on the decrease.
But to honestly answer the question, by either not living in large cities and commuting in, sharing those 3BRs, or staying home with parents. Shaving that 48k/year (post-tax) rent down to ~12k/year frees up a lot of money.
(Also if you're young, staying with your parents and saving ~100-200k in rent for a downpayment over 10 years just seems like a smart idea to me).
But to honestly answer the question, by either not living in large cities and commuting in, sharing those 3BRs, or staying home with parents. Shaving that 48k/year (post-tax) rent down to ~12k/year frees up a lot of money.
(Also if you're young, staying with your parents and saving ~100-200k in rent for a downpayment over 10 years just seems like a smart idea to me).