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Middle-class families bought homes in those, uh, federally subsidized subdivisions gained over the next couple of generations. From the appreciation and the value of their homes. They use that to send their children to college. They use it to take care of medical emergency perhaps, or a temporary unemployment. 

They use it for their own retirements and they use it to for wealth, to their children and grandchildren who then had down payments for their own homes.

https://www.solvecast.com/articles/detai...
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