Things certainly aren't how they used to be… While that common cliché has been repeated for generations now, possibly since the beginning of human existence, when it comes to the housing market, it's pretty clear that things aren't how they used to be. Gone are the days when a young couple could afford a four-bedroom home on one income while starting a family—raising and somehow funding an entire brood of children. The thing is, your older family, friends, and coworkers might not even realize h…