It is not clear to me which part of the book you are talking about here. If you can be clearer, you will likely get better answers.
I am guessing you are talking about the part where he talks about how many of the people in Concord do not own their own houses free and clear...
If that is the case, then his advice to people is to be less greedy. It is for them to care less about their property. He says they wear themselves out trying to get houses as nice as those of their neighbors. Instead, he says, they should learn to be content with less in the way of material goods.