Ever since graduating from high school, Tyler Jones hasn’t stopped working and doesn’t have any debt. Still, homeownership feels like an unattainable goal, only possible for past generations. “Every time I get a paycheck, it’s all already spoken for,” said Jones, a 21-year-old who works at a deli and a nonprofit in Springfield , Massachusetts . Being a homeowner is one of Jones’ dreams, and his inability to save for it frustrates him. Currently, 65% of working-age renters can’t cover their monthly expenses after paying for housing, according to an analysis from Harvard’s Joint Center for Housing Studies. Nearly half of all renters were cost-burdened by rent in 2024, that means they spent more than a third of their income on housing and utilities, which is based on data from the most recent census. ___ EDITORS’ NOTE: The Money Happens series explores challenges and anxieties around money and offers helpful tips for dealing with them.…