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After that, don't let your real estate agent or lender inch you up above your comfort zone," says Ottwein, a past president of the National Association of Exclusive Buyer Agents (naeba.org).
Tom Early, a longtime real estate broker and past president of the National Association of Exclusive Buyer Agents (naeba.org), says current buyers won't pick up the tab for any renovation work that raises a property above neighborhood standards.
For those seeking a simpler life, one obvious choice involves apartment-style living, and an increasing number of retirees prefer owning rather than renting their units, says Tom Early, who twice served as president of the National Association of Exclusive Buyer Agents (naeba.org).
One huge obstacle to saving for a house is unmanaged day-to-day spending, says Tom Early, a real estate broker and former president of the National Association of Exclusive Buyer Agents (naeba.org).

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