At least for me, housing wasn't exactly stable in my early 20s. Flaky methhead roommates. Lease terminations. Getting laid off from an hourly wage job while living paycheck to paycheck. I've got a life of great privilege now but it wasn't always like that. I had to move frequently and even straight live out of my car a few times. I intentionally owned nothing more than I could pack inside of an hour and fit in the backseat of a '94 Civic because I actually had to pack up my life and fit it in the backseat of a '94 Civic more than once.