Almost half of all American adults, or more than 100 million people, do not believe that home ownership is a realistic way to build wealth, a new survey by a credit counseling group finds.

The findings are counter to the long-standing belief that buying and building equity in a home should be a major part of an individual’s financial plan, notes the National Foundation for Credit Counseling, Silver Springs, Md., which sponsored the study.

NFCC found almost a third of those surveyed, or roughly 72 million people, do not think they will ever be able to afford to buy a home. And 42% of those who once bought a home but no longer own it do not think they’ll ever be able to afford to buy another one.

Of those who still own a home, 31% do not think they’ll ever be able to buy another one or upgrade an existing home, NFCC reports.