Times are tough in Australia. Economic security has decreased, the divide between rich and poor has grown and housing prices have increases so drastically that huge sections of society are now essentially priced out of owning a home. While politicians argue over economic reform and boomers lose sleep over lazy millennials spending money on avocado on toast fairfax press decided now is a good time to show us how to own our own home.

Enter Nicole Pedersen-McKinnon. “Financial editor, commentator and author, as well as a qualified financial adviser and stockbroker”, Nicole published an insightful article aimed (discretely) at us lazy Millenials titled “This is how I paid off my mortgage by 36.”

In essence Nicole gives us a 6 point plan.

Get married and split your bills Move overseas at 22, work for the Financial Times for a decade and cash in on the favourable currency exchange rate Borrow money from your sister in law to buy an apartment Write a book (optional) Use your entire salary to pay off the home loan (but live off your husbands salary in the meantime) Sell your house, tell hubby to pack up his business and buy in QLD!

It’s just that easy lazy millenials.

To go into a little bit more detail though It might be prudent to mention some more details like the fact that Nicole is married to the Dan McKinnon. Managing Director of the multi million dollar award winning App Factory, Dan is responsible for pulling in some pretty big contracts like their recent involvement in setting up the National Relay Service app.

Also Dans sister that leant a little bit of cash? Why thats none other than Leila McKinnon, Nine News presenter and wife of David Gyngell (ex Ch9 CEO). Don’t let the fact that they have a networth of over $200 million discourage you.

Nor the fact that the McKinnons have their roots working for the Shah of Iran.

This isn’t supposed to be a hit piece though. Nicole has no doubt worked hard and sacrificed to get where she is today. Can we cool it on the sanctimonious puff pieces though. The articles that try to explain why hard work is the only limiting factor from getting what you want, whilst ignoring the unprecedented levels of privilege that you have, are getting old.

So in short, do you want to know how you really own your home by 36?

Get lucky and marry into money and power.

Because working hard as a young person doesn’t pay. When wages are stagnating, when unemployment is rising, when casualisation of the workforce has become normal, when negative-gearing props up house prices, when your government goes on a tirade about lifters and leaners only for our most corrupt treasurer in history literally rorts the system and when Donald Trump is now the president of the free world the last thing we need is another article about why we arn’t doing enough.

Spare me.