The primary way we save money is living in an ‘Ohana unit with family because rent is a waste of money, but we can’t save enough for a down payment on a home in Hawaii. Even if I did have enough, I’m not sure I would want to pour every dollar I had into a down payment. Homes are also riddled with home owner association fees or maintenance dues that can add up to a lot of money and restrict money saving activities like line-drying clothing or parking on the grass or street. My wife and I drive older vehicles. We line-dry clothing to save on electricity. We garden to supplement our food. We have no subscription services other than phones and internet.