re: Baffled as to how single people afford houses currently

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Right now we have 2800 or so in a 401k, 2.5% match, so doing 7.5% there total. 5% just now going into a 457b. Have it all in stocks right now, just index funds. Going to meet with a Fidelity rep next month to see what he says to do. I'm guessing I'm going to want to be more aggressive than he would want, in my mind I was to be a bit riskier to try and make up some ground over time. There's just no way to make up 18 years of time lost.

Owe 12k or so on student loans, owe 15k on car. Rent, don't own. Saving $400 per paycheck, should be debt free in 18 months.

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