I guess it perspective and where you are in life plus your location in the world, I would have to pay 50% tax on it so well a down payment could be it but I would still have to affort the house.

I have a hard time seeing it as life changing for me, having a decent paying job (not silicon valley developer scale) in a expensive country. Ofc if I was having a low paying career without that many perspective my outlook might differ.

I dont live a place where you pay for your kids being in college so I cant speak for that part.