Good article u have there bro.. Nowadays youngster including me dream of luxury life.. When people get Iphone Ipad etc they tend to follow the trend.. Yes of course they can follow because this kind of gadget doesn't cost u few thousand k.. Just take a look around when u go shopping or dinner, most of the youngster have luxury life... The problem start when their friends start buying houses and talking about it in the office.. When their friend earning 3k buying a 500k property they will think that they can afford too but they never think ahead.. For example, what happen if BLR increase? So please buy a property within what u can afford.. It is even better if u can buy property price/installment lesser then what u can afford... At least u still have gaps to take some air...