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I think the reality is that people have to be more ready to live outside the "top 5" cities. I'm from Toronto, and at the current level of housing inflation in my city, will likely never be able to purchase a home. But just outside, their are other communities (Hamilton, Markham, other former small towns) that are seeing a massive influx of younger people looking to start families. 25 years ago they used to be quite small and undeveloped, yet over the last few decades have started on an accelerated path so becoming cities. So while this housing bubble (and yes, despite what the boomers say, I'm very convinced it is) is creating problems within the most dense urban areas, there are numerous opportunities if you're willing to live outside.