Have a million dollar net worth isn't necessarily fun or comfortable, my parents divorced, cashed out the houses and nothing is left, good times.
Anyways, they both have medical problems that no insurance would cover in the past decade (part of the reason for selling the farm). Having just turned 60, they're both sitting on about 150-200K to retire on. One can't look at this as anything except a system rigged towards a Sisyphean outcome.
I suppose your parents or grandparents were suffering so much that they were willing to pay " $120K towards a 1000sqft 1 story ranch"
you know, my soul is shattered to tears that you personally especially have been treated so badly by fortune.
Each of us worked harder than most people who complain about being slighted by the hand of fate. I started working on the farm when I was 10 and continued helping out until I was 19. It ranks below minimum wage. As for my parents, you think that chastising their frugality and having a paid for house within their means is something to mock? Really?
Farming ranks as one of the 10 most dangerous occupations; you can be injured in pretty much any way imaginable. In fact my father was. Once while my brother was in high-school and again when I was. We each did our part staying home from school running things until my father was recovered on both counts. Trust me, 1.2 million over the course of 30 years isn't as much as it would seem.
For what it's worth, my parents got here with dedicated saving: anywhere between $30k-$100k per year for the last two decades. Our investments have performed miserably, and we didn't own a home going into the housing bubble either. It can be done, but it's a lot of hard work.