[maxioatic]

Usually people save money in a savings account.

[s1artibartfast]

Future homeowners don't. I suspect there is a pretty strong correlation between people who invest their money and those who buy houses.

It is hard to imagine anyone affording a a mortgage if their savings are rotting away at 5% less than inflation.

[maxioatic]

Depends on how soon you are planning to buy. The usual rule of thumb for a big purchase (house, car, etc) is that if you’re planning on it occurring in 3-5 years, put money in a savings account. Otherwise, yeah you should probably invest it.

[dehugger]

Your assertion that future home owners don't is false.

Anecdotal Source: Every single person I know who has bought a house, myself included.

If you wish to counter this source please provide data supporting your claim that all home owners have stock options to liquidate.