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Home prices have surged. A median-priced U.S. home now costs more than 5 times what it did in 1999. This, of course, doesn’t include closing costs, taxes, or the down payment. A viral TikTok clip from a 1999 Boy Meets World episode shows Cory and Topanga shocked to learn a house costs $80,000. Back then, it was a punchline. Today, it feels more like a reality check. That $80,000 is now lower than the average down payment in many cities. And for millennials, the dream of owning a home seems to be