Was the housing boom of 2020-2022 the moment millennials became boomers? Notice how all of them are telling you that they got their cheap house and anyone who didnt can fuck off? Even now, look at any housing price thread and its full of millenials saying they got their house for 2.5%APR but nobody else gets any.
Millennials were always unsufferable twats; moving to whiteopias or gentrifying black areas, and then safely insulated from the diversity lecturing everyone else on their "privilege".
>>529753003Nigga if you bought a house between 2020~2024 then you're cooked. Just look at what happened to China's real estate market, deflation killed it. The west will follow suit when the AI driven unemployment hits the job market.
>>529753157Every age cohort has libtards tho
Millennials are the Scapegoat Generation, constantly getting shit on from above and below.
>>529753285How are they cooked? Most of them only have payments of $1200-1500 a month max for their houses
>>529753003I want every white American to be able to afford a home. I don't want my homes value to crater just so you can still afford a house despite spending all of your money on Funko pops and Starbucks. The young guys at my work will spend $10-15 in the vending area at work per day eating junk. They could cook or make a sandwich for $2 or $3 and save a few hundred dollars a month. The issue is a massive influx of immigrants and corporate buyers, not homeowners
My house in Hawaii cost me 650 last year and thats a screaming deal for a liveable space with a yard here. my mortgage is cheaper than renting. Housing costs are insane but unless you want to try and have a family with 3 other grown ass adults sharing a place, you gotta do what you gotta do. and im not doing that shit. We dont even have an HOA whereas most apartments/houses here have one ranging in cost from 500-2000 a month. our last apartment, the owners paid 1100 in HOA fees EVERY FUCKIN MONTH.
>>529753594godspeed anon
>>529753003>their cheap houseNigger, I know for a fact i wildly overpaid for my house that took me almost a decade of saving up just to get approved for. Don't fucking pretend like we had anywhere near the cheap housing boomers did
>>529753003>2.5%Holy fuck. Took me 4 hours to negotiate down to 6%
>>5297549482021 was the dip
>>529753003Not my backyard syndrome destroys whole civilisations
>>529754160So your a beach bum.
>>529753003Yes. Collapse the market. I want cheaper property taxes
>>529753360We are all cooked anyways. You retarded Mammon worshiper aren't realising that the most important thing is that you are ruled by the sin Magog.
>zoomers think they're entitled to buy a house now just 5 years after millennials were finally able to enter the marketFuck off faggot. You still have 10 more years of suffering before you can speak.
>>529756052And even then, just a minority of millenials.
>>529753003Zoomies are actually retarted.Cry harder with your shit thread instead of addressing the real problemBlackrock and kikes.Sage>>529753157Zoomies are more liberal faggot tier than millenials. I do apologize though that our generation took it way too far.Thank gen x though, and the boomers.
>>529753285Bouncy Clown my beloved>>529753003HAHAHAHAHA, fuck off retarded kike, millennials couldn't afford houses and they still cannot. A very tiny percentage even had the opportunity to get one and the rest continue to get buttfucked by Boomers and Gen X.Even those with a home still resent Boomers and Gen X, "I got mine" is absolutely not a general sentiment in either millennials or zoomers.
>>529755664Then along comes the niggers…
>>529753003I'm a Zillenial and I can afford a home at these prices and interest rates, but there is a nonzero chance that I could end up stuck next to some nigger or mystery meat of Lovecraftian origin. I would rather save my money and potentially flee the country, but most other White places are in the same predicament, so idk what to do. Maybe I have to buy a plot in the middle of fucking nowhere and commute an hour or two to my job.
>>529753360>at 10% interest>on a $400,000 home that's actually worth $250,000Ya bro just pay $1.1 million for your $250k house what's the issue?
>>529756819Not enough welfare in my county for noggers to bother with
>>529757548i lucked out there too. my neighbors are white. only "problem" is this side of the island is owned my mormons, believe it or not. Could be worse, neighbor wise.
>>529753003Yes. I am the Boomer now. Paid cash for my 4200 square foot house. I got mine and I know what I got.
>>529753157For every slipknot bumping gigachad, there are 30 "stomp clap hey" faggots whining about their pet minorities.S*y generation.
Some millennials got white collar jobs and compromised any ideals they had for 75k that buys less and less. No culture much less counterculture could form. So now we have the most demoralized basedlennials running all the markets consuming slop and propping up a parallel Disney plus reality. What happens next who knows.
>>529753003Let me guess, you're unemployed, unemployable, have no skills or savings, double digit credit score, and waste your life doomscrolling 4chan, but it's somebody else's fault you're not a home owner right now?
>>529757741Are you fucking retarded?Rates bottomed out at 2.5% in 2020.If you bought a house in that time frame you are more than likely paying Less than you would to rent the same house.Zoomers really are stupid as fuck. Maybe have AI explain it to you.
>>529758191Most people buying houses have do nothing laptop jobs. These jobs are gatekept so that only the worst kind of white person gets the job. There is no actual economy that exists in the US that even needs skilled labor. We dont make anything. It's just giving jeets do nothing jobs now.
I didn't even pay for my house got it from my grandparents when they diedim 34 AMA
>>529753003Most millenials didn't own homes yet before prices skyrocketed. Only elder millennials in low CoL areas maybe.
>>529755664This is the real reason house prices are being propped up artificially. Higher home values = higher property taxes.
>>529756767Millenials are losing their houses in multiple ways in leafland right now.
>>529753003remember when millenials sold off the US industrial base to china in order to make the soviets seethe?millenials ruined everything
>>529753003Uhuh, yeah I got mine real cheap. Lay off the pot, it's making you delusional. I do have a 3% APR though.
>>529753003Yeah that's me but my attitude isn't anywhere near that shitty and I feel that something needs to be done to help the zoomers or else the country is in for a really bad time soon.
>>529753003>2015: just wait for the crash bro>2016: just wait for the crash bro>2017: just wait for the crash bro>2018: just wait for the crash bro>2019: just wait for the crash bro>2020: just wait for the crash bro>2021: just wait for the crash bro>2022: just wait for the crash bro>2023: just wait for the crash bro>2024: just wait for the crash bro>2025: just wait for the crash bro>2026: just wait for the crash broWhat clownfuckers like >>529753285 don't realize is that there is not going to be a crash. If the market ever dipped enough to warrant labeling it a "crash", you would be competing with 500 other roaches all with the same idea and more liquidity all the way right back up to current prices anyway.The only millennioids in houses right now can attribute it to simply being in the job market for a decade more than you. "Got mine" only applies to boomers because their first house took 4 years to pay off rather than 10 years of saving just to afford the down payment.
Only like half of millennials own homes though. It's nothing like boomers or Gen x
>>529753320It's been pretty bizarre to get it from gen Z as well.
>>529753003Tons of millennials mortgages were borderline affordable and they are set to lose their homes because housing inflation also means inflated property taxes since they're calculated as a percentage of a home's market value. So don't fall for this kike's generational divide and conquer shit.
>>529753157>unsufferable The absolute state of illiterate zoomers
>>529753003most millennials didn't homes retardand the ones that did got fucked over
>>529753003I'm a millennial. I don't own a home.
>>529758082>stomp clap hey Oh look a reddit meme
>>529754160>property owners paying community feesis this common in the first world? here the rentoids pays both the property taxes and association fees if applicable
>>529753003anywhere from 2008 to 2014 was a good time to buy a house, prices were reasonable. prices doubled, or near doubled by 2019 and people were desperate to buy. it was a good time to sell. and then *pikachu face* coof hysteria coupled with economic bullshittery resulted in a lot of people desperate to sell and very low interest rates, prices were still high but if you had the money it was an amazing time to buy. Buying anywhere from 2008-2014, selling in 2019 and then buying again in 2020 was the winning move. The shills want you to see that as everyone who didnt missed out forever, their main objective is for you to give up on hope, on to give up on yourself. Dont give them what they want, you idiots. The bleaker shit looks the more miraculous shit happens for those who dont quit.
>>529759463>tfw my property taxes went up over $100 a month this year and I live in a middle of nowhere flyoverThings really are fucked for anyone below 150k salary that doesn't own their home outright
>>529759269I only own a house because I went in on it 50/50 with a friend. And even then at the price we locked in we can barely afford to keep up with the cost of maintenance. Because everything inflates along with the housing prices. A bat of fiberglass insulation costs like 3 times what it did just 2 years ago.
>>529753320Millennials din't do anything wrong, they got fucked in the ass by boomers and are now somehow being held responsible for the mess we are all in. I do admit that we had it easier when it came to getting loans but they should blame the kikes and boomers, not us.
>>529758464>Most people buying houses have do nothing laptop jobs.That seems pretty unfair when someone like you with a lifetime of experience of doing nothing is sitting here e-crying and living with mommy.>>529758846>Higher home values = higher property taxes.Do you even know who collects property taxes? For fuck's sake, you dumb niggers need to leave social media and go out into the real world and experience some adult life.
>>529759923go be a kike somewhere else.Nobody likes your kind anymore. Go back to your sinking ship of a fake country you disgusting desert shit-monkey.
>>529759269>there is not going to be a crashMeanwhile>Citi warned clients that AI adoption could eventually lead to high unemployment and deflation in the US. The bank said productivity gains from AI risk being captured by a "small AI elite," causing income distribution to become heavily skewed. In that scenario, prices would fall as unemployed workers cut spending, creating a deflationary spiral. Citi noted that deflation has only occurred during periods of severe economic stress like the Great Depression and the 2008 financial crisis.
I bought in 2020 and with all the renovations I doubt it will ever feel worth selling. When I get old I'm probably burning down my house so noone gets to live in it.
THE PREVIOUS GENERATION IS NOT GOING TO HELP YOU WHEN THEY ARE STRUGGLING THEMSELVES.YOU DONT DO ANYTHING TO HELP GEN A AND GEN A WONT DO ANYTHING TO HELP GEN BSHUT THE FUCK UP ABOUT GENERATION WAR BS
I don’t plan to ever sell my house. I could care less what the Zestimate is. I plan to systematically buy up all my neighbors’ properties and turn it into a little horse barn.
>>529753003You have no idea what I went through before buying my home for 50k in 2021. Finished school in 2008 start of gfc, couldnt find a job, part time and casual work for a decade treated like a peice of shit, housing crisis, importation of indians, mental health crisis being driven insane by my boomer cunt mother calling me lazy and a bludger, finally find a cheap house and move away, never to go back to visit. Now zoomers are hateful calling me a fucking boomer because I have 4 asbestos walls and a 30 year mortgage in the middle of bumfuck nowhere? This whole society is hatefilled and totally fucked, the only good thing ablut owing a home in the west is that once im old enough i can sell it and move to a 3rd world country with enough money to die fucking brown women
>>529759733So called "inflation" is the cost of usury. And usury is built into the price of everything here in clown world.
>>529757866>Not enough welfare in my county for noggers to bother withbased af. my county also has no welfare so we have no homeless people either. during winter time all the homeless vets just die off
>>529753003I'm sure some of them feel that way, but I understand it's going to crash, maybe not as bad as 2008, but I got in at 280k. The highest I could've sold for is like 520k a couple years ago, now I probably could get like 470k.I'm 30 minutes outside of Tampa in a house built in 1998 on a lake. Literally best possible house for the money. And the Florida market will not get hit as hard as other areas.So I expect a dump to where my house would sell for around 350k. I expect this to happen in the next 2 to 4 years, based on where we are.Between the housing, used car and all the other financial bubbles out there, the next crash will be nasty. Don't listen to the idiots saying not to hoards cash. Get as much cash as you can the next 2 years so when shit dumps you can buy at great prices.
>>529755192Damn I left 0.1% on the table>>529754948Yeah I'm never selling
>>529753285Ya if you bought after 2000 you're probably gonna get hosed
>>529753003>lets just hate everyone and everything forever hurrdurrrkys you well poisoning faggotyou're too stupid for an opinion worth reading
>>529753360They'll be deep underwater, especially if the interest rate is above 4%, and they all probably are.
>>529753003Who cares they will ear crow the worst of them all. They have supported everything that has destroyed the country. The dollar is turning to liquid shit and they will not be able to sell. The amount of people who can afford the fantasy of being a slave to a mexishart shit shack is dropping for every drop of blood these demons want from a stone. They will not be able to enjoy their old age like boomers did or have anything to pass onto the next generation.
>>529753285/threadOP is retarded
>>529761568>OP is retardedHe's a big dumb gay faggot, too.
Kike claws typed this post. Anyone continuing to push intergenerational divide is a kike.All fields.
There is no generational difference. Adjusting for age, Millennial and Gen Z homeownership is increasing at the same rates that it did for earlier generations.The real issue is that overall homeownership rates in the US have been consistently in the 60-70% range since the end of WWII. Meaning that there has always been about 1/3 of the population who are too poor to ever be anything but rentfags.There is nothing wrong with society or the economy or anything else, you just don't own a home because you are a poorfag.It is amplified by Zoomers spending their formative years consooming mindless brainrot vlogs and tiktok videos of influencers and ecelebs pretending to live in huge mansions and driving expensive cars and owning overpriced consumer status symbols supposedly purchased from the money they made just from posting videos of themselves online. Now Zoomers think that they were supposed to receive a huge house and nice, comfy rich person lifestyle as soon as they turn 18 just for existing, even through they haven't done anything to earn it.
>>529753003Millennial here, bought my house in early 2020 and have seen its value increase almost 100% in the last 6 years. I have so much upside, that I dont care if my home loses 40-50% value, if that meant you could afford a house. Equity is just a made up jew term anyway, good luck paying bills with imaginary value of what it “could” sell for.
I bought 2 houses in 2020. I am about to sell one of them. Zero updates, no fixes, exact same condition I purchased it, and 3x the price. I rented it out the last 5 years to a boomer. I look to make about ~700k on it. Housing looks like it has peaked and likely will decline in price as no one can afford it. I'll invest it and wait until the housing market crashes, and hopefully be able to get a nice plot of land in an unincorporated area when I can finally be alone.Come buy my house little zoomies! It's a good deal.
>>529762027Don't tell me that as I'm about to close on a trailer man
My wife and I bought in 2021 and our house is already worth about 50% more now. I feel like we are about to get trapped in it if we don't sell soon but everyone keeps telling me to hold onto it.
>>529753003Only the pretentious faggots that got lucky and either had the prerequisites required including the down payment at the right exact time or the zogbot pedo niggers who get “muh free house” for supplying their masters with fresh baby meat got houses. Most millenials are still broke and homeless
>>529761425>They'll be deep underwaterNo, unless they bought at the absolute peak in 2022, their house is still worth more than they paid for it. If they bought in 2022, their house is only worth like 5% less than they paid for it. Even in severe economic crashes like 2008, housing prices only declined about 20% from their all time highs, and recovered within a few years. And nothing that is happening today looks anything like what was happening in 2008. Home prices have levelled off after a rapid increase in 2020-2022. Anyone who bought a house before or during most of that pricing surge has a house that is already worth significantly more than they paid for it. For the people who bought as prices levelled off, their house isn't worth much more than they paid for it yet, but over time they will continue to build equity.
>>529761856>good luck paying bills with imaginary value of what it “could” sell for.Anon, you can go into any bank in America and get a HELOC loan to pay off bills with the equity in your house. Equity is NOT the imaginary value of what it could sell for, equity is the value of the house that you have already paid off and own free and clear of any mortgage obligations.
>>529762510>Most millenials are still broke and homelessMillennial homeownership passed 50% during the pandemic and has continued to increase since then. This means the majority of millennials own the home they live in. (You) might be broke and homeless, but your millennial peers are not.
>>529763222Theres the pretentious faggot i was talking about lmfao good luck on your foreclosure
>>529753003I've been told I was bad for being a millennial since i was 10 years old. I don't care anymore. I love my generation. And I love zoomers.
>>529763514>pretentious faggotImagine seething this much in jealousy because you can't afford a down payment on a house. Absolutely pathetic. You should probably KYS, it's never going to get better for you.>foreclosureLOL why would I get foreclosed? I have a good job and plenty of money saved up. My monthly mortgage payment is probably less than your mommy pays in rent every month, you stupid poorfag.
>>5297532852020 had lower interest rates than the market crash of 2008 because lenders were frazzled by covid.
>>529753003What percentage of millenials own homes? like 5% lmfao
>>529753003Oh no, some millennials bought a house for a low apr. and? What do you want them to do? Let you sleep in their attic?
>>529763956yep
>>529753003>>529753157ah yes, the inorganic attack on millenials by z(b)oomers
>>529763222Yeah and they have a 30 year mortgage. That doesnt mean they fucking own it. It means they are indebted for life to the system. I know people that bought homes in 2020 era and they owe more than its worth now. Same for vehicles. Yet they shit on me because I drive a 2002 chevy Vortec.
>>529762970lol thats not free money, you gave to pay it back with interest, its just more debt slavery.
>>529758464Daily reminder the USA is the #2 manufacturer in the world. Cope and seethe
>>529753003>>529753285I bought my house in 2020 with 2.9% apr and now its "valued" 60% more than what I paid, I'm going to try to sell it soon and move back in my with my boomer parents and inherit their house when they die
>>529753003Everyone just wanted to add it to their net worth because I'm a millionaire.
>>529764117The APR doesnt mean shit if you paid $300K for something that is maybe worth 100K. Houses depreciate historcally. They arent a fucking investment. Especially of you dont maintain them.
>>529757741>10% interestTry 2.7%, retard. I bought the dip in 2020.
>>529764407I really doubt that. Probably cant even sell your fucking house right now for what you still owe on it. Im sure some chink or jew firm will gladly tske it off your hands for 20 cents on the dollar.
>>529753003Kek literally me. Bought my house in 2020 at 24 years old and got 2.25% interest and now it’s worth double. You can all fuck off until my parents die and I take their place and then maybe I’ll rent mine to you for double my mortgage
>>529753285I bought an acre of land and a modular home for 140k in West tn how cooked am I?
>>529753285>deflationReally? That's what you're going with? The price of everything is going through the roof except houses, which will decline in price? Is that really what you think is going to happen?
>>529764407>and now its "valued" 60% more than what I paidaka the money its measured in has devalued this much since then, bleak innit
>>529764768more banker real estate bullshit. nobody is buying houses right now. Just wait until gas hits $5 a gallon.
>>529764859West Tennessee is full of hillbillies and niggers, you are fucked
>>529765237I think you mean Mullungions.
>>529753003I must have missed the part where millenials could actually buy property.
>>529753157I wish this was a lie but it ain’t.
>>529762654Its only "worth" what you can sell it for and close on. Not what similar houses are "listed" for by your local Karen real estate whores.
>>529765182Well worst case I pull out some equity when rates go back down and build a pole shed. Or maybe the next 15 acre lot next door. Who knows. Either way I got mine (and more coming to me) and I’m comfy.
>>529753157Now we get the pleasure of hearing all their traitorous threats and whining about Iraq 2.0 (oh we won boohoo). All because they ain't allowed to take pride for some reason, Iraq was one of the best things America ever did. Millennials force the meme that it was one of the worst though. Like force it like my dick in the worlds smallest woman.
>>529765428This thread is propaganda by big real estate. Fucking housing market is royally fucked.
>>529765428>I must have missed the part where millenials could actually buy property.I expect you miss out of most of the real world if you never leave your goon cave at mom's house.
>>529753003Yeah I got a house last year and the millennials were just as bad if not worse than the boomers when it came to price increases and flipping. At least the boomers knew they're dying soon and wanted to make deals. I got a townhouse from a chinese boomer who was like, I'll take whatever price you give me. No smell either, I expected fish everywhere. But there are a concerning amount of pennies that were hidden. Some sort of chink voodoo I'm sure.
>>529753003I owned my house since 2006t. Born in 83
>>529765618Yeah you are better off keeping it at this point. Not sayong you cant make a profit in the future but right now youll lose money.
>zoomzooms seethe against boomers>zoomzooms seethe against gen x>now zoomzooms seethe against millennialsI can't wait for alphas to become adults and dab all over zoomzooms. Their unwarranted victim complex deserves to be humiliated.
>>529753003>Notice how all of them are telling you that they got their cheap house and anyone who didnt can fuck off?When did this happen you fucking retard?
>>529758464I got into Wall Street from pure hustle and networking back when a white guy could do that. I made a bunch of money as an investment banker and then at a couple of hedge funds but didn’t save much. I burned out and ended up getting one of those do-nothing laptop jobs even though I wasn’t one of the lefty faggots or women I think because they were so impressed with my resume. They all came from lefty bullshit like women in stem initiatives and HR change management optimization type shit. I think they thought I could teach them stuff they needed to now. It was the easiest job I’ve ever had. I literally worked maybe 3 hours per week, almost always from home, and they paid me about $98,000 per year with a ton of PTO. It was paltry compared to my old job but the $/hr and $/stress ratios were significantly better. I tried to convince them to hire young white men but they fought me every step of the way and it never happened. Eventually they started resent me because I wouldn’t be as gay as them and I got bored and left. It’s not as if there aren’t some of us trying to tear down the gatekeeping. We’re just facing vast institutional sentiment that no one of us or even a few of us can overcome. My goal now is to start my own fund within a few years and I intend to hire enterprising young white guys who can be sharks. It’s going to take a while but that’s the goal.
>>529753003that "real estate boom" was black rock jews buying up houses to turn into rental properties retard, I, a millennial looking to buy my first home, and fucked by what those jews and all their various imported nigger goblins did to the market.
>>529765674Buyers not owners. Also we are heading directly into another housing market collapse. 90% of those houses will be taken back by the bank that loaned out that money retardedly to niggers.
>>529764303Don't get me started on the cars. New cars need 1000s worth of repairs before they hit 25k.
>>529766104t. 2004 chrysler crossfire (yes, really)
>>529765751Not that anon, but I didn't buy my house in 2020 to sell it for profit. I bought it to raise a family in and we have had 2 kids since 2020. It is nice that my house has gone up $150,000 in value since then, but I am not going to sell because I still need a similar sized house in the same city so I will be buying something equal priced to replace it if I did sell.I am happy we bought at historically low interest rates though. That is going to save me lots of money in the long run. We are also making above minimum payments and are paying it off ahead of schedule.
>>529753320It's not really getting shit on if it's like>hah nobody likes you and everyone thinks you're steeenkie hee hee hoohigh school shit
>>529753594>>529754644Checked and this is the only reasonable, rational viewpoint
Barely half of millennials own a home. What is with this deranged attempt to blame boomer shit on millennials?
>>529766159based. this is actually a mercedes. very good car. will be a collectors car in a few decades
>>529753285>. Just look at what happened to China's real estate market, deflation killed it. The west will follow suitoh no! people will be able to afford to put down roots, grow social capital, establish families and plant trees whose shade they'll never set foot in.
>>529766159VERY cool car, anon. Nice
>>529764019>What percentage of millenials own homes? like 5% lmfaoCurrently about 55%
>>529753285>>529760202>deflationIn the US? You're fucking retarded. That's never going to happen when you can magic $2 trillion into existence with a stroke of a pen. You don't even need to print it.
>>529766334real estsate/banker industry shitting thier collective pants because nobody wants 50 year mortages.
>>529766334Part of it is that Gen X are just completely forgotten and just seen as part of Millennials, which is pretty funny. But you're right, it's actually Gen X and even I made the mistake above. Gen X are kind of assholes.
>>529766159Why would you buy that piece of shit? All the compromises of being a sports car without the performance... Ever since that car came out I have just shook my head and thought>Why...?Every time I see one. It is like having a V6 Camaro. All the inconveniences and impractically of a sports car without the perks of a sports car.
>>529766467A 30 year loan is not ownership.
>>529766467If you don’t own a home it just means you’re retarded. I bought my first house when I was earning $42k a year working 12 hour days as a salesman. You just gotta save and invest. Don’t be dumb >t. Literally lived the boomer ramen noodles meme
>>529759179Ya dude, as millennial I totally remember the 70s and 80s
>>529762654>20% less after 2008 crashYoure crazy, prices dropped by half everywhere. It was a bloodbath
>>529766627You bought a shithole house for 175k
>>529766732Blaming millenials for something the Greatest Generation and Ronald Reagan did now. Boomers didnt even do that shit.
>>529753285New year, new cope.They will never come downGovernment will never undo 3 years of Trump/Biden money printing and the printers are turning back on in May when Trump gets his yes man into the fed so we can get free 0% interest rate money and pretend they economy is good for another few years.
>>529766839This one is going to be worse.
>hold cashare you saying I should sell all my investments, and take the penalty costs 401k withdrawl so I can have cash in hand?
>>529764303>That doesnt mean they fucking own it. No, that's exactly what it means. Why would the bank give them a loan with the house as collateral if they didn't actually own the house? Stop being a retard and think about it logically.>It means they are indebted for life to the system.No, you are just a complete financial illiterate who doesn't understand any of this stuff on even the most basic level.>I know people that bought homes in 2020 era and they owe more than its worth now. Then they are complete morons who did something really stupid and retarded. If you bought a house in 2020, you would have to go out of your way to somehow fuck it up and owe more than it is worth in 2025.>Same for vehicles.Of course, cars and houses are completely different. Cars immediately start losing value and continue to lose value until they get scrapped. Houses are the opposite and are always increasing in value on a long enough time frame.
>>529766865Still a house, still in a 100% White community. Better than renting and giving money to the jew every single month for nothing
>>529766627Retards would rather pay a kike landlord $1,500 a month to rent an apartment than pay a kike owned bank $1,500 a month for a mortgage on a house.In 20-30 years the mortgage payer will own a house and have $300,000 in net worth. The renter will have nothing.
>>529766933Really doubt they can rig this shit for even a few more years. That ship has sailed with this Iran disaster.
>>529753003What's the fucking point, nobody actually owns property in this country and you never will. I was laughed at when I asked for an allodial title. The government is just a public landlord that you must pay rent (property tax) to and can evict you all the same (lien, eminent domain). Furthermore, a house is a depreciating liability, not an asset. Holy fuck I literally want to kill myself for wasting so much money to rent from the government and deal with a flooding basement. Worst fucking mistake of my life. If I could have stronger guarantee of housing security from a private landlord i.e. long term lease with no risk of eviction for not cleaning sometimes, I would gladly rent from a private landlord for the rest of my life. Between all the extra time and costs associated with fixing a house, it's very likely more expensive than private renting.But I'm not ever going to delude myself that I'm not still a renter. I don't own nothing.
>>529766971Yeah stop making payments to the bank and see what happens. lol. delusional.
>>529765619We won and it only took 20 years and several trillion dollars down the drain. If you’re not getting paid to shill then you’re pathetic, either way you legitimately need to kys
>>529766341>>529766451Thanks it was primarily driven by my 5'3" wife, now it's my commuter run 30 minutes a day.>>529766584Nah it's very solid for being considered a failure. I've had it over 10 years plenty of time to delete the electronic retard stuff. Still has a stiff unforgiving suspension and poor visibility in reverse.
>>529767144>a house is a depreciating liabilityAlso>REEEEE prices are rising so fast I can't buy one!!!!!Lol
>>529767187My first mortgage was 2.1%. When you calculate inflation, the bank is literally losing money by giving me my loan. My mortgage is a net positive investment
>>529766960401k is when you are 65 and near death anyway. Just be destitute when you're 65 and can't do shit and have fun when you're young. Go travel.
>>529764353>lol thats not free money, Of couse not, there's no such thing as free money you stupid zoomer. However, it does in fact allow you to pay bills by using the equity in your house, which that other idiot anon did not seem to think existed.>you gave to pay it back with interest, its just more debt slavery.Yes, that's how loans work you retard. No one is just going to loan you money for free.
>>529767084Yes it willYou won't do shit
>>529767354I wouldnt use it to travel I would use it to buy a house. i havent gone on vacation in 8 years
>>529753157It's been verified as of late that the only truly redpilled and based generation were millenials. Go die for Israel, zoomer.
>>529767318Man you sure seem legit now posting photos of rednecks skinnin deers. lol. Fucking banker shill.
>>529767256I paid in cash. I never got a loan or mortgage and I don't believe in the concept of debt.It was a waste of money and I prefer renting from a private landlord instead of renting from the government.
>>529767426Oh then yeah probably still a fine idea. Better to get started earlier. That being said, I'm totally travel-pilled unless you live somewhere actually beautiful and don't feel a need to travel. Interacting with locals and learning new culture stuff is quite fun.
>>529767492I already said I was a salesman. Are you retarded? Why are you shilling to make people rent instead of own land/ property? What is your agenda?
>>529753003I am 42 and I have no woman, I have no children, I have no house, I have no friends, I have no money and live paycheck to paycheck. When will my real life begin bros? I'm tired of the grind, I'm tired of this life, just very very tired that's all.
>>529766960Pretty sure it's still on the books, but I was able to disperse my 401K for a first time home purchase.Looked it up, apparently it's capped at $10k:https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributionsAlso bought in 2009 at the very bottom of the local market lol. And yes, I was able to do that by hoarding cash in anticipation of the market imploding. Not sure if the Fed is ever going to allow that again, but that's how I got mine.
>>529764537>if you paid $300K for something that is maybe worth 100K. Yeah, that would be dumb, why would you do that? Note: no one is paying $300k for a $100k house.>Houses depreciate historcally. Absolutely and completely incorrect. Houses always appreciate in value unless something crazy and rare happens.>They arent a fucking investment. They are one of the best investments you can make to hedge against inflation.>Especially of you dont maintain them.Why wouldn't you maintain a house you owned? That would be completely retarded. Are you a nigger?
>>529767463fuck jewsFuck niggersFuck arabsFuck poosFuck Trump and fuck Biden Fuck all of congress and senateFuck banks and fuck AbrahamismElder millenial signing off
>>529767702When you die and reincarnate as something that isn’t a poojeet
>>529767620I live in the midwest. My idea of travel would be going to the grand canyon for a weekend, or traveling to upper California to see the valley. I've been to europe once for a school program, and as fun as it was, I dont really have the desire to got to those places. I dont care about mexico, or the bahamas, or Puerto rico, or the virgin island etc that most people seem to love visiting.Seeing the beauties of the US is fufilling for me
>>529767492>You will own nothing and you will be happy
>>529767412>somebody WILL buy my 60 year old, 2 bedroom house for a million dollars… eventually!! I know what I got!!! Hmmm I wonder why the number of unsold houses on the market is reaching record levels? I wonder why the average age of a home buyer is now over 50? This is surely sustainable.
>>529765535>Its only "worth" what you can sell it for and close on.Yes, and everything I said in that post was based on the actual prices houses sold for and are selling for today.
>>529767803> Seeing the beauties of the US is fufilling for meAbsolutely based. I recently went on a trip to Michigan. Who would have thought fucking Michigan of all places was so unbelievably beautiful
>>529767735>hedge against inflationor you could just purchase gold and get a much higher return while also not getting raped in transfer and realtor fees when you go to buy or sellhouses are dogshit from an investment perspective. you should buy one if you want to live in it. otherwise, invest or buy better performing assets.
>people are RUSHING to buy my house for more than I paid for it!!!
>>529768008> houses are dogshit from an investment perspective. you should buy one if you want to live in it. otherwise, invest or buy better performing assets.Name a better investment class
>>529767803I haven't been to any latin places, but a handful of European countries now. Due to direct flights from Philly, it's often cheaper to go to them than places I'd want to see in America, but out West. I do think PA and the Catskills are quite pretty though. Can't enjoy them too much in the snow we've been having, for example.
>>529766514Prices go up when the government subsidises them to go up, most of inflation is entirely artificial. Education prices went through the roof because the government said they would back every loan no matter how high. Our current system has the dumbest possible version of interventionalism.
>>529753003Idiots have been waiting for a property crash for the last 15 years ive been lurking.
>>529767948Right.... Not what some kike whore has similar shit listed for on Zillow.Most of you just got saddled with some boomer money pit that isnt even worth the tax value.
>>529766615>A 30 year loan is not ownership.Yes, it literally is. You are just too retarded to understand these very basic financial concepts and can't wrap your smoothbrain around the idea that a mortgage is NOT renting or some kind of rent to own layaway scheme. If you have a mortgage, you do literally own the house in a legal and very real way. If you didn't own the house, you wouldn't be able to use it as the collateral for a loan.
>>529767947Yes anonThe prices are still rising, albeit slower than during covid. The only crashes to speak of are in boomer shitshack disaster-prone areas like florida or california.unless you are going to build the house yourself you're not going to get anything nice below 400k due to labor and material costs and how taxed to shit contracting work is. You can just accept this or hold out and listen to youtubers who have been saying the market is going to crash for the past 10 years
>>529766896Zoomers literally think 40 year olds are boomers.
>>529768097literally anything
>>52976843820pbtid
>>529768345He's of the ilk that believes that, if you have to pay property tax, you also don't *truly* own the land. I guess I get their point that it could be taken away, but many things are like that. If you go to jail, you don't get to keep anything, so you own nothing ever right?
>>529768369What do you think will happen to housing costs when boomers die off? The population is below replacement, the only thing that could sustain continued housing cost increases is mass immigration on a calamitous scale
>>529766839>Youre crazy, prices dropped by half everywhere.No, that only happened in the absolute worst shithole areas where they had built huge new subdivisions filled with mcmansions to sell to unemployed, negative net worth niggers.
>>529768345lol. copenigga i dont even own my home and its been paid for 50 years ago. the county fucking owns it and my property.
>>529753594>I want every white American to be able to afford a home.Cool it with the antisemitism anon. All houses should be owned by Wall Street.
>>529753157>gentrifying black areas>sheeeeitt>those are our areasexcept they aren'tThe Great Northward Migration brought uncountable numbers of blacks out of the Deep South into the rest of the country from 1910s to 1930sBefore that places like Chicago had nearly no measurable black population
>>529768097>Housing market appreciation YoY has been like 1-2% since the pandemic boom>Stock market has been >10%, averages historically around 6>Gold is literally mooning and a 300% ROI over the past decade>all of the aforementioned don't come with yearly property taxes, maintenance, and mandated insurance (assuming you got a mortgage, i know every poltard larps like they bought with cash)
>>529753320>Millennials are the Scapegoat Generation, constantly getting shit on from above and below.The entire generational warfare shit to redirect blame on to boomers/genx/millennials/zoomers/etc instead of the very few wealthy people controlling the economy is 100% a kiked psyop. >By a continuing process of inflation, government can confiscate, secretly and unobserved, an important part of the wealth of their citizens. - John Maynard Keynes https://archive.org/details/a-history-of-central-banking-and-the-enslavement-of-mankind-pdfdrive
>>529753285What? I bought my house in 2021, a multi family for 305k at 2.4%. Its worth 447k now. I do t care about deflation since im never planning on selling it. The home being worth less is only in my advantage since I get to pay less property taxes. Also your argument about china makes zero sence since they technically dont even home their own homes they only sign a 99 year lease that they can pass down to their children.
>>529768517only shills respond with howany posts you make. fuckong obvious what you are doing. housing market is a fucking disaster right now
>>529753594>The issue is a massive influx of immigrants and corporate buyers, not homeownersWhy could the boomers buy a house for $10k, but houses now are $500k? Because The Jews transfer wealth to themselves through inflation by the Federal Reserve printing $trillions. Imagine that you have a machine that can print endless amounts of $100 bills. >Print $500k then go buy a house>Now you own this house.>Repeat. >Soon you own the whole neighborhood>Repeat for decades. >Own 100,000's of houses>Rent house to goyim>You collect 50% of the goyim's paycheck>You own 50% of the goyim's labor>goyim must rent foreverHousing prices are now astronomical and ordinary people can't afford to buy. Vast numbers of goyim now work for you in virtual slavery. This is wealth transfer from the citizens to the Jews who own the central banks that print money. Enslavement through central banking.>By a continuing process of inflation, government can confiscate, secretly and unobserved, an important part of the wealth of their citizens. - John Maynard Keynes https://archive.org/details/a-history-of-central-banking-and-the-enslavement-of-mankind-pdfdrive https://archive.org/details/secretsofthetemplehowthefederalreserverunsthecountryThe Creature From Jekyll Island.pdfhttps://archive.org/details/pdfy--Pori1NL6fKm2SnY
>>529753003Millennials have always been the neo-boomer project. But no, very few of them own houses. Even now that's just ridiculous. Ownership is a thing of the past. All political forces work in concert to make sure no one personally owns a goddamn thing and everyone must conform to some bureaucratic council of absolute faggotry.
Debating with people who are against home ownership is like debating flat earthers. They think they are winning the argument. I just feel sad for them and wonder how hard it must be going through life being such a fucking retard.
>>529760477I'm with you. My dad gave me his towing bussiness. Problem is he put in septic and heating and did alot of illegal shit and didn't pull any permits. Plus he owes 89,000 before handing it off. I managed to get out of debt. Make decent money. And now my taxes are blowing up and my gf wants to have lots of kids. Not just 1 or maybe 2. She wants 4 lol. So once I get old enough I'm going to sell everything and move to Costa Rica. Fuck this country is going to complete shit.
>>529768689Stocks can go to zero. With land, you still have the land. You’re thinking short term returns, not long term gains. Sustainability is the only thing that matters. It’s your perspective that is why the world has gotten so shitty, anon
>>529767973Based. I was in Traverse city last summer and the the geography up there is great. Good camping too
>>529767702>42 and living like that Its over for you that ship has sailed 15 years ago buddy.
>>529768695this and kikes are scambling because houses are not selling and nobody is taking out mortgages and they are in deep shit. banks are fucked.
>>529768689>Since the pandemic boomYet you look at stock prices over a much longer historical context. Nice goalpost moving, faggot.
>>529753003I bought in 2010 at the floor of the 2008 crash at a rate of 1.75%I only survived a career crash and forced move because I had that equity to rely on so I could move out of the DC area.
>>529761841Incorrect.
>>529767187>Yeah stop making payments to the bank and see what happens.They will eventually foreclose on the house, then will auction it off and get close to fair market value for it. The auction proceeds will be used to pay off however much of the loan you still had left to pay. Then they will give you a check for all of the rest, which is the value of the equity that you actually owned that was free and clear of any loan obligations.>buy a house for $300k.>several years later, it gets foreclosed, you still owe $200k.>House is auctioned off for $400k because prices went up in the meantime>Bank only gets to keep the $200k you still owe them, they give you a check for the other $200k because you actually owned the house.Getting foreclosed is NOT at all the same as being a rentfag getting evicted.
>>529768539>the only thing that could sustain continued housing cost increases is mass immigration on a calamitous scalewell I have some bad news for you if you think that isn't happening
>>529768812is that why you are on 4chan at midday on a weekday? lolfuck off real estate wagie.
>>529768815I've been debating the same, part of me what's to sell everything and fuck off to Panama or Colombia with my wife. This country is going to shit and its all the jews fault.
>>529753003wut? i'm 40 and don't have a house. probably never will. unless you inherent one or are lucky enough to make a lot of money, you will NOT get a house anytime soon.
>>529769050This. THANK GOD
>>529769108You mean lunch time at my job, retard? Nice self own.
>>529753003>"I got mine"the cool demeanor as they casually atlas shrug the boomer housing market bags
>>529766971>Houses are the opposite and are always increasing in value on a long enough time frame.>Calls anyone finacial illiterate
>>529768949The stock market has outperformed the housing market over that same period though. Nice self own I guess.
>>529769030thats a very unlikley scenario. more than likley you will owe more than they sell it for and yoir credit will be wrecked for 7 years by the jews.buying a home is actually retarded right now.
>>529769170Is this actually true? How is this possible?
>>529753003So what do you want from them? A free house? Sounds like you're trying to consensus crack and spread division. Fucking shills go jump off a building head first
>>529753594>I don't want my homes value to crater>I want every white American to be able to afford a home.contradictory>The issue is a massive influx of immigrants and corporate buyers, not homeownersyou're no different from the fuck you I got mine boomers. Your property value is inflated by a ten million home housing shortage. This is exactly why homeowners consistently vote in local elections to make housing more scarce. If ten million homes were built would absolutely crater in value because there would no longer be an artificial shortage to keep inflating the valuein this rare case it's not even corporations that are enforcing the shortage. corporations don't even touch residential housing because it's a losing battle to go up against homeowners deathgrip on housing. 90% of city and local government agenda is inflating housing values. it's homeowners just like you kicking the ladder down behind youHousing is very hard for young people. Not all of us have parents paying our rent or buying houses for us
>>529769323Deportations and the fact that we’re in the middle of a White millennial baby boom. Conservative Whites are having more children NOW than at any point in the last 50 years….>nature is healing
>>529769317The high end fee of a credit repair service is like $1500. From what I've heard from a literal debtmaxxer, it works quite well.
>>529753157>improving the value of neighborhoods while not kicking the residents out is "gentrification"
>>529769309You can't live inside your stocks and would still need to pay rent. That is the difference. Housing isn't a bad investment even if it isn't the #1 investment performance.
>>529768773You read all those books, anon?
A house is not an investment retards. Its basically like girlfriend that never stops asking for money. Its fone if you plan on sticking it out for the long haul. Flipping days are done. Real estate brokers in shambles.I could never stand real estate agents. all they do is bring in yankee fuckwads to Appalachia.
>>529768857>With land, you still have the land.We don't have a land shortage. You can buy an acre in bumfuck nowhere for dirt cheap. Put a home depot shed on it if that's your goal.
>>529769496Pretty interesting. I didn't think we kicked out *that* many spics.
>>529753003nigger house prices went up 50% by that time frame. dumb kike generational warfare (except boomers, fuck them) distraction bullshit.now some of us millennials have wildly overpriced shitboxes that have deferred maintenance because the boomers couldn't be bothered to upkeep their house they had a vampire mortgage on so their kids get jack shit when the few millenials with money (sorry not sorry faggot) that we have to pay extortionary prices to repair. still better than being a rentcuck and on no planet should you have to make north of $200k/yr to be able to afford a fucking levitt house, but here we are.not sure who these "i got mine" millennials are, but buying a first house in your late thirties for multiples of what its worth that hasnt been renovated since bill clinton was getting his dick sucked by fat interns (instead of nine year olds on epstein island) isnt a generational accomplishment. its an indictment of the world we were handed. sorry yours is worse but idk what to tell you bro.like what are you asking millennials to do? give you their houses? jew post, op. hope you get incinerated in tel aviv so zoomies and alphas don't have to die for your kike wars.
>>529764153someone else with a brain, finally
>>529769557Yes but rent is typically lower than a mortgage and don't require a 20% down payment to avoid PMI. You could just invest that money or put it into a physical asset like gold. You niggas don't know what opportunity cost is.
>>529769634It’s accelerating every single day. Tom Homan is a fucking boss
>>529769323Of course it's not.It's some jewish trick to make amerimutts cope.Haven't you fags got eyes to see the world around you?
>>529769634Yeah go to Dollar General and see the white Conservative of 2026 with their five welfare babies.
>>529769728>rent is typically lower than a mortgageThis maybe anecdotal but my cousin pays 300 dollars more in rent than I do in mortgage.
>>529768008>or you could just purchase gold and get a much higher return Not true. >also not getting raped in transfer and realtor fees when you go to buy or sell houses are dogshit from an investment perspectiveThose fees are a complete nothingburger for anyone who actually buys or sells houses or invests in them. You assume they are big deal because you are a clueless poorfag retard who has never actually owned a house or invested in anything.You also fail to account for the significantly higher tax obligations involved if you invest in gold, plus all of the practical and physical disadvantages. And if your plan is buy and sell with cash, commit tax evasion by not reporting your capital gains taxes, and keep your gold hidden away from the authorities, you might as well just start selling drugs, that's much more profitable than any of it.
>>529764632>my one single example proves that no, interest rates are not high Retard.
>>529769830Based
>>529769728>Implying I don't have other investmentsYou people always act like homeowners are all in 100% on their home and that is all they invest in.
>>529753320>>529753003I spoke to my boomer uncle for the first time in years. He is said to have stole my trust fund. Not much I can do about but the last time I talked to him he literally said >you complain about immigration and the state of the country? I don’t give a fuck. I got mine. I have money and a nice house. I don’t give a fuck what happens to America.Fuggg that was a lot to digest while tripping on mushrooms.
>>529769050Then this country is toast anyway and might as well get something cheap in the Philippines if they’re both gonna be third world shitholes.
>>529768539anon, I...
>>529769963This. I have stonks and multiple properties now. I’ve also been stonking NSDAP silver for the past few years and keep it in a big chest like a pirate.
>>529769963There are reasons besides market speculation to own a home. Buying homes as investments is retarded.
>>529768576If you weren't a NEET poorfag just living in a house that mommy and daddy actually paid for a long time ago, you would realize that property taxes are not really a big deal for anyone who actually has a real job and is in a financial position to actually own a home.
>>529769963For most thats all they can afford. That and a $800 month payment on a 2023 Chevy Duramax with leaking head gasket.
>>529770179Your house isnt an investment. Its a tax.
>>529753285Lol. Bought in 2020. Was nervous about it for literally years. Bought into a massive upswing and was extremely nervous about the price dropping out the floor without any warning. Now it's worth twice what I paid and my mortgage payment is less than rent for a 1 bed 1 bath apartment in my area. Unironically, I would still be happy to see the market crash a little so that others can afford a home.
>>529769496Meanwhile, in reality... le white baby boom:% of whites being born in the 10 most populated States in America, comprising 54% of the total American population:California, 26%Texas, 31%New York, 48%Pennsylvania, 66% (Yeah! Still less than France or Britain or Germany...)Illinois, 51%Ohio, 71% (Yeah! Congrats!)Georgia, 43%North Carolina, 52%Michigan, 67% (Yeah!)
>>529770179Property tax is a wealth tax or rent I pay to the government. Any way you want to swing it, it should carry a death penalty for even suggesting property tax exists.
>>529770427A birthrates were 2.7 million 2010, currently estimated around 1.5 million in 2021. 2022 saw abortion legalized in the rest of Mexico (it was only legal in 5 states previously), Mexican birthrates will likely fall under a million while death rates will hit 1.6 million. Mexico's population will actually decline faster than Japan's, both nations having about the same number of people. By 2060 there will be 80 million people in Mexico.Birthrates in the USA fell in 2020. However states like New Hampshire- where 90% of births are white- actually saw births go up. States like California and Hawaii- the least white states- saw their births drop most sharply.Generally there are two 'echo booms' in american demographics. The Millennial Boom of the late 1980s and the Zoomer boom of the mid 2000s. The zoomer boom is isolated to southern states like Georgia- where white births peaked at all time highs in 2006. These kids are currently 18 years old. The Millennial boom was nationwide for white people, but tapered off as northern whites had fewer kids than southern whites, whose births continued to increase (and propped up the entire white birthrate during the last 18 years).These two groups- northern millennials born in the late 1980s and southern zoomers born in the 2000s- are now entering (respectively) their population's 'biggest reproductive years'. While it is known fertility peaks around 18-23 for women and 28-33 for men, subpopulations have different reproduction strategies.Northern Whites get married later and have kids later. This was useful when the north was a bleak shithole, putting off marriage to build up capital was a good thing. The Southern Whites marry earlier because they used to die young of yellow fever due to the swamp heat of the South.Anyway these two groups having kids at the same time will make the 2020s a boom decade for white births, while non-white births will halve by 2030. 3 million white kids out of 4 million kids 2028.
>>529770384Same with me, my home is worth almost 35% over what I purchased it for. Even if a market crash happens I can give 2 shits since I'll have to pay less taxes and I certainly wont be selling any time soon.
>>529770427this is some serious cope.
>>529753157>moving to whiteopias or gentrifying black areasSo they’re living around whites or living around blacks, and either option id bad? Just admit you hate white people, rajeesh
>>529770639This is the mindest to habe because homes are depreciating assets. only in the last few years if kikery have the become considered a means to retire. Which appears to be quickly coming to an end.
>>529770582>By 2060 Who cares anon? >MaineThat's what? 0,5% of all birth rates in America?1% of the white birth rate? You can win the birth competition with the third world, anon. Especially when half of your country is third worlders. >non white births will halve by 2030>there will be 3 million white kids our of 4 million kids (born in America) n 2028That's beyond retarded, anon. That makes no sense whatsoever. That will never happen.Open your eyes!You're talking about a white birth rate of 75% when your white birth rate is 35 to 40% and is only going to decrease as more young shitskins enter your country.
>>529762280Well if a crash happens prices go down but people lose their jobs too. Just depends on your whole situation. My house was worth 195,000 and now it's worth 255,000. I don't want to sell bc I own a towing bussiness. Weirdly enough, when things get bad bussiness gets good. I only sturggle with mechanical and selling cars since people have no money.
the only people I see under 40 that actually own their home and aren't underwater on a mortgage had their houses bought for them by their parents or inheritedamerican dream my ass
>>529770868How the fuck is it a cope?
>>529753003Yes. Bought my house in 2022. Got a low interest rate and even paid down like 40% of it ahead of time to bring the payment down. Now I rent it out and live in the second house. You idiots could have bought but you thought the market was gonna crash in two more weeks. Skill issue.
Closed on mine the week before they did the hug an asian in chinatown articles showed up. All those gifs here of collapsing Chinese in December and January convinced me to finally get out of the 500sqft apartment I was in for the previous 7 years on the off chance I'd be stuck in it for over a week. Considering I'm getting cold call offers for $25k more than I paid I'm guessing I can get more than $150k if I actually tried to sell.
>>529771125My parents house was worth 90.000€ in 1999 now it's worth 400.000€. It's all memes. It's all memes I tell you! And now the neighbourhood is filled with niggers and everybody has much lower quality of life.
>>529771105Whites have the highest birth rate in America. The only group that even comes close is Orthodox jews and they have the massive problem where their children leave the faith and drop below replacement. All we needed to do was close the borders and now that’s largely done
>>529753003>>529753157>>529753285>>529753320Millennials are the caligula generation, rotten fruit of judaizer calvinists basically using Christianity as a commodity for satanic / mammon goals.
>>529771063Funny how now that boomers and dying out and milenials are inheriting the country, things are slowly becoming less kikey. Boomers truly are the absolute worst generation to exist.
>>529753285Homes are for living in. If you bought in 2020 you got a house that was relatively cheap at a once in a lifetime interest rate that's still lower than inflation. Why would you care what the resale value is if the other homes are more expensive with higher interest rates. It's not "I can't sell my home". It's "why would I want to sell my home?"
>>529770527Yeah, property taxes scale with debt expansion is the thing, which means in the long run? if you want to actually get real work done / do life, without wage slaving and being under the boot? you're going to have your home stolen from you by the government, which is hijacked by pagan ownership wealth of faggots who never earned anything they have.
>>529759679>property owners paying community fees>is this common in the first world? here the rentoids pays both the property taxes and association fees if applicablei dont know, all i know is we didnt pay the HOA even as it went up hundreds of dollars each year, we just heard from the other owners that it was $1150 A MONTH! right before we bought a house. our rent stayed the same for 3 years and i only saw the landlord once. honestly a decent arrangement. But, the mormon neighbors, the childless wrenches and their yappy little mutts, the dogshit all over the place, and just general feeling of not being able to go outside without 10 eyes on you, it was so incredibly stressful. once you go from living that way, to living on your own property, i dont know how anyone could go back. ill take my tiny beachfront house with a yard and stream over the fanciest townhouse or apartment ever again. I've also lived in a massive "luxury" complex in the PNW, where a midget would have coke parties in the music room, white liberals shout "BLACK LIVES MATTER" during covid, druggies leaving doors propped open with rocks, pure fucking hell. they feed you slop and games to try and get you used to accepting that kind of life. I can't and wont do it ever again. i'd rather live in the woods or just be dead. not worth that shit ever again. I dont know how russians can live in those commieblocs and NOT be drunk 24/7. Isnt it like that in Brazil too??
>>529769931Interest rates are the same for everyone at any given time retard.
>>529759070That's because you guys have non-fixed rate mortgages.>sign up for a 30 year loan>hope the interest rate doesn't changeLike, what were you expecting?
>>529771472>>529771472>things are slowly becoming less kikey.lmao do you not know of the war going on for Israel?
>>529759269This was us until 2024 and we just decided fuck it, we need somewhere to go. Hurts like hell, man.
>>529771416>Whites have the highest birth rate in America. The only group that even comes close is Orthodox jewsOh... I was talking about the % of births that are white. You haven't closed the borders, you will not close the borders, and even if you did the majority of your births are already non white and that majority would only continue expanding becaues your demographic is so fucked up. That is a really good pic about what the jews did. Most people have no clue. Where did you get that from?By the way, when the moors entered (at the request of the jews and later the Visigoth's too) the jews in the Peninsula were already enslaved.
>>529759586Take your millennial privilege somewhere else, you bigot.
>>529759733Canada is a clown show because you don't have 30 year fixed rates. In America my mortgage will never ever go above 2.6% and that's hilarious.
>>529771646the upfront issue is, most of the guys doing the work are going to end up homeless, and you are basing your ownership on finance, which has no value. Our finance is based on expanding government debt, which is owed by the people. On paper and by enforced contract, your home is collateral for the $300,000 you owe from uncle samantha debt maxing your nation and selling it to the highest bidder.
>>529759923>>Higher home values = higher property taxesAre you retarded? How is this wrong? Spoiler; it's not. Fuck off, kike.
>>529771776Yeah things are approaching catastrophic levels of fragility from kikes discounting the future in perpetuity so they can own all the people under their satanic globalist system in the present tense.
>>529771888People don’t even realize the Inquisition was literally just about removing the traitors from society, and rightly, so that nobody will open the gates to the invaders ever again… and then thr bad guys won the war
>>529771139yep, cosigners. They'll never tell you that though because they want to appear independant. They also wont tell you daddy boomer gave them the 10% down payment so they would have a place for half nigger grandkids to spawn.
>>529771139Don't worry, they don't actually own anything under the current system.
>>529772125this. shits about to hit the fan for real.
>>529771927Lol. Never? I wouldnt bet on it. Wait until the jews install a socialist after they ride the migger train into the ground.You arent blackpilling?
>>529772382> this. shits about to hit the fan for real.And when shit hits the fan do you want to be in a big apartment building with all sorts of niggers and nons, or in your own home in a community of like minded White people?
>>529753003Most millennials still aren't boomers.Zoomers more closely resemble boomers.They have this nostalgia for the Bush era which is why zoomers are now adopting this killer clown patriotard ideology and align with boomers on current events.Boomers were born in a high trust society and lived most of their prime in one, so they still believe in the system and support it no matter what.Zoomers were born in a low-trust society and accept it for what it is, so they're just total nihilists who think of themselves as murderous chimps and every appeal to humanity or higher order thinking is a "cope."It's really only the millennials who were born in a high-trust society and then were swept into a low-trust one in their formative years, they are the ones who grasp the reality of both and the only ones not blinded by the propaganda
>>529772018Speak English. I bought the house with a down payment that I had. I made extra payments to bring the monthly down to a hilariously low level. I have about 250k left on the principle but over 500k in funds that are currently invested in the market that I could pull out at any point to pay off the mortgage. I'm also renting that property out so my mortgage is effectively zero. No matter how you cope it's only positive. Sorry you missed the boat.
>>529772187Kek, In my master university class I had a teacher (in International Relations) which stopped the class to stress the importance of History and ethnic relations.And then we went on a rant:>Portugal has much to thank for the Inquisition>It was the Inquisition expelling the jews that allowed for hundreds of years of homogeniety and relative peace>Put to end with the French Invasions and Liberal Wars by foreign intervention>And now mass immigrationsSadly, he was expelled from the University... or suspended, I can't recall... for saying that the Portuguese girls shouldn't behave or dress like the Brazilian girls during carnival because in February it's cold here and nobody gains with being a whore.Implying that if a girl here dances the samba she's a whore or something.It appeared on the tv and all..Anywhere, do you know about the Limpeza de Sangue / Cleanliness of Blood Laws? They must be required to save us all.Also, have this sad unkown fact:https://en.wikipedia.org/wiki/History_of_the_Jews_in_Gibraltar#British_ruleGibraltar is unironically the most jewed place in Europe in %.Outside of jew luxury ghettos in London and Paris. And probably Kiev.
>>529753003You stupid worthless little nigger rat. What fucking housing boom? Millennials don't own shit compared to the boomers and any that benefited from any price increases were already rich bitches who got that property from mommy and daddy. The rest of us are in the same fucking boat as you, except you dumb little brown vermin.
>>529772625A socialist would raise interest rates, not lower them. Home ownership is something for those with money and socialist don't love the poor, they simply hate the rich. So they'd raise interest rates to make home unattractive to rich people and just fuck over new buyers. Me? Got mine. Locked in.
>>529772187From what I am seeing and hearing (and experiencing by being stepped on), the traitors are the iconoclasts and pietists and big nurses trying to put us all in strait jackets in a catacomb and read the KJV to recreate the church in our head.God created Adam in His image, and one of the first things Adam goes and does is name the animals. Modern protestants want to deny this natural extension of salvation in its practice and instruction in this short life, which for most people is going to be being thankful enough to make something of it naturally, but it's like we're not even allowed to use our five senses or reasoning to consider anything, they want to write their anglicized imperial dogma using Christianity as a political tool to take our soul for their satanic ends
I decided that I'm done with trying to buy a house.I'm buying a 7,000 square foot villa in Argentina that's much niceer than anything I could afford here and in a wealth. It's the kind of home I spent my whole life dreaming of having. I hate to invade other peoples country but I'm learning Spanish and I don't plan to act like an entitled American
>>529772300>Helping your kids afford their home so they can afford to have kids of their own is a bad thing.>But boomers are the worst for not passing generational wealth to their kidsMake up your mind, faggot.
>>529772846I shit you not. When I was getting my masters we all got 1v1 meetings with our main professor and I guess he must have liked me or trusted me, but he said this. “You’re American. If you want to understand America, you have to understand that it’s owned by two groups: 1. The jews. And 2. The oil companies.” I had no idea what he was talking about at the time but that shit stuck with me. AND he was 100% correct
>>529753594YupBoomers are shitters, but frankly, the amount of real estate they own is nothing compared to the corporations determined to build mega cities worth of garbage housing to house their pet brown laborers
>>529753003When was that house $224k?I'm guessing in the 80s or 90s?
>>529753003yea, subprime loans helped millions of people get into homes. turned out most of them didn't fucking pay their loans but... it did work, at least for some people.
>>529757866Low taxes will bring in the trash.
>>529772648I dont trust whites today anymore than niggers. Most of them are basically jewish at this point. Just look at the state of Miggers.
>>529753003I got mine, fuck off zoomer. Go fight in Iran so I can get some zoomette pussy>t.Millenialchad with a $135k house at 2.6%
>>529770527Land is a limited resource. It should be taxed to encourage its productive use, otherwise people will just hoard it.
>>529773157truth
>>529772930Yeah thats my point and dont think they womt rewrite the rules to raise your rates. Hell, Trump is setting the stage for that with his partisan takeover of the fed, which is really just jews removing the veil of illusion.
>>529772709I'm just saying, the amount we owe as US citizens is going to grow a lot, and one day they're going to come for your property, maybe even your home, if we keep looking to the rosy veneer of finance and ignoring the reality.>funds invested in the marketTotal gambling worth $0and I'm not coping by the way, I read the disclosures that come with the brokers and platforms offering ETFs and stocks and bonds, and when you put your money in there you don't own any of the stocks or bonds or ETFs, what you own is a ledger entry representing the asset; the broker owns it in street name, but who knows how they account for it, because it's all cash settled at the end of the day.You own a bet statement on a corporation's balance sheet, NOT an asset like stock or being the creditor to a bond.and that is made possible by taking out over $300,000 debt in US treasuries per taxpayer, which you and I know none of us is going to pay, so they're going to come for your home.
>>529753003So now Zoomers are not only dressing like boomers, they are also shitting on Millennials like boomers?
>>529773088Your house isnt an investment. Its a tax.
>>529766994good eats!
>>529773736Yeah I don't know what the plan is, picking up the torch from the previous retards seems like a silly idea
>>529772080It's wrong because your house's value, for property tax reasons, is only reassessed if you need to take out a loan against it or use it for collateral. My house was built in 2010 and assessed at 175k. I bought it in 2016 for 280k. It's currently worth 575k. I pay property taxes on the 175k valuation.
>>529773391Their priority is money at the moment, they don't understand what's happening.
>>529773105It's nice to know there are based people in academia since. The commies (the masons really, we barely had any jews thanks to the Inquisition and 90% of our jews now are Ashkenazi who entered the country on a return of the expelled jews law - but it was a return of those who were expelled in 1497, before we had even discovered Brazi...) anyway they kicked me out of academia. I was to based to remain (and a bit retarded for not hiding it).Anyway, Spain had the same law of allowing the expelled jews (theirs were in 1492) to return.Spain recieved a few thousand jews, 4 or 5 thousands I think.We recieved 50 thousand.The good news is that it ended (too much corruption obviously, the word of a rabbi - any rabbi - was enough for us to give citizenship to a jew) and that most jews who got our citizenship live in Israel and other Euro countries.Still a very shameful episode a very shameful law.
>>529773756Moving the goalposts. Thanks for admitting you are just a troll who is full of shit.>Boomers don't help their kidsAlso>You should be embarrassed if your boomer parents helped youFuck off.37 posts by this ID. WTF. Shill harder, faggot.
>>529773088It can be both. If you ever had to pay your own bills you'd understand that it's rough and brutal out there
>>529753157>gentrifying black areasSo you mean they took a risk by moving into dangerous, derelict shithole areas and made them livable with their own money and effort? Horrible people.
>>529773981Why even allow the jews to return? That seems counterintuitive. Good for you for speaking out btw anon. Hopefully we can put this gay brown woke period of history behind us and in the dust bin where it belongs. It seems like Spain is a little behind on the memo, unfortunately
>>529773231It's fine to give people a chance, but yeah if they're not paying sometimes they're gonna destroy the place in the process, huge waste of money not only in the sense that they default.
>>529753157>millennials bought amd fixed up the cheap homes>zoomers complain they can't afford anything and demand modern move-in ready homesdeadass on god frfr no cap shits bussin
Most millennials were lucky to survive the babykilling generation. The majority of them were only children who didn't have to buy a house at all, just not piss off mom and dad until they died or bought their second home.Immigrants pay rent. They lower house values by taking entry level jobs for under the table prices and shitting up the city as all renters so.My millennial friends who did buy houses did not get mortgages. They saved up and paid in cash, we were all serious hard workers. We had the hardest job market changeup rugpull of all time. Imagine having bachelors, but you can't get hired to dishwash because you don't have a smartphone or a dependable car. It will never be as hard for anyone else ever again as it was for us to earn money in boomer's Elmo's world. Boomer's money continues to be worthless. You can probably just go down to any casino and rob them blind in a basic game of chance because they are all pussy dividend monkeys as almost all boomer jobs were Jewish government dole hourlies. Millennials have always been the greatest generation, and a big reason why is that we don't do debt, no frontin', no mortgage. I'm talking about the white millennials btw, no spic or nigger race has true generational cutoffs - they do not know what a condom is yet
>>529774837>My millennial friends who did buy houses did not get mortgages. They saved up and paid in cashImagine being so financially illiterate that you brag about this
>>529774989LOL I know what you mean but it is true brother!High rates prevent middlemen realtor sluts from inducing high turnover. I am actually considering buying a house in Japan soonI will not be getting a mortgage. Please seethe. Especially seethe hard when you get double charged on your last mortgage payment debtfag
>>529769496>White millennial baby boom.It isn't as good as it sounds. They are retards. I shit you not in my son's kindergarten class there is a boy names Kylo after the Star Wars character Kylo Ren, and a girl named Eilish after Billie Eilish. It makes me embarrassed by association.
>>529756387He's right you know. Here is some Paul Wall my n- buddy... https://youtu.be/0wLFcvyDVmw?si
>>529771776Even a dog gets defensive and loud when its threatened anon.
>>529768539>the only thing that could sustain continued housing cost increases is mass immigration on a calamitous scaleYeah... exactly.
>>529775508Still better than the alternative. In my neighborhood we have a pretty legit families group. Kids aren’t allowed smart phones until they graduate high school. No iPads for children, etc etc. We get a lot of kids fishing and playing in woods as a result and mischief night is still a thing. >some Yankee faggit complained bc his car got egged and threatened to press charges if they ever caught him. The entire neighborhood ostracized him and called him a fag. His car was egged twice again afterwards, lmao
