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This is also my experience as a parent to my son's senior school.

I've often assumed that their height in Netherlands is due to the enormous amount of milk they drink (it was free in the office staff canteen I frequented) and the amount of growth hormones fed to the cows 🤔

Yes, a local job or work from home has benefits. I worked in London for 12 years, renting in the suburbs and commuting in (horrid some mornings) - bought a small property in Essex when 27... with an even worse commute into Liverpool Street 🤦‍♂️. We helped our older son buy a one bed flat...

Assuming the three savers are able to afford a mortgage 🤞( good that you've given them the chance to avoid commercial rents👍)

And the really rich would have one of their people read this thread for them, and only report back if there was an investment opportunity.

Indeed, and part of the problem with this planet is how GDP per head is always the go to measure for "success".

Exactly this - inherit a million pound house/estate from your folks and you could do well on a modest income if debts are zero.