Debt is the way The Matrix harvests the life energy of young people. First with education debt and then with mortgage debt.
Assuming you get married and buy a house at 30, with a 30 year mortgage, by the time you have paid it off you are 60 years old.
That means The Matrix has harvested the best years of your life.
You own the investment that you get with your money instead of using it for a down payment for a house.
That’s literally what /u/USSDefiantJazz said, read what people say before responding to them with questions they’ve already answered.