By having a 30 year long credit and not going over the roof with their choices.
Meanwhile as described by Lehman brothers fiasco documentaries, multiple American families went totally bankrupt with their multiple mortgages over their houses.
Except that as a FAANGer you earn enough to own your house in full in 10-20 years and retire early, while as a dev in Europe's strongest economy you're basically a neofeudalist slave to your bank and employer way into your 60s(if anyone will still hire you then). Really nice.
Just because some people in the US made bad financial choices with property investments(some Europeans also did the same) doesn't change the fact that US tech workers earn way more than Europeans, cost of living adjusted.
