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re: I think people need to accept that the housing window has closed
Posted on 7/31/26 at 7:33 pm to ReauxlTide222
Posted on 7/31/26 at 7:33 pm to ReauxlTide222
quote:
Old people really don’t stop and think for a second that young people’s spending habits reflect where their money/energy can be most valuable?
Old people really don’t give a shite.
Until you start whining. Then they have to care because…you’re whining. And blaming. Only you’re not blaming the ones truly responsible. You’re blaming them.
None of us care where you spend your money. But don’t go spend it on something other than a home and then bitch about the fact that you can’t own a home. Or bitch about the fact that your starter home is expensive when you’re unwilling to compromise.
Old people- and most middle aged people too probably- don’t have patience for that shite.
Pursue whatever makes you happy. But don’t bitch because you can’t “have it all”.
The vast majority of us can’t either. Only we’re not complaining about it.
0
Posted on 7/31/26 at 7:34 pm to TigerJack8
quote:
From the young persons perspective, the cost of living is at an unprecedented level, let alone the cost of houses. It’s hard to save, especially if you want to raise your children in a traditional way.
As a guy somewhere in the middle of the age spectrum, I bet if they laid out their monthly expenses here we could identify a huge amount of shite they’re spending money on that isn’t necessary or practical. I’m the first to admit I’ve got a bunch of unnecessary shite in my own budget, too. But I know I don’t get to do that and then complain about not having money.
ETA Inflation and the current distribution of good jobs has definitely changed the ball game, but people just starting can still win if they’re willing to relocate to a smaller metro, drive a smaller vehicle, and live with beat up cabinets for a few years.
This post was edited on 7/31/26 at 7:39 pm
Posted on 7/31/26 at 7:48 pm to GoCrazyAuburn
quote:
I mean, you’ve yet to give an actual response, just “I don’t believe it”.
Are you not smart enough to see that my response was before you asked your question?
Now to answer your question here is my educated guess . . . single individuals working full time jobs (2080 hours a year ) around $65 to $70K a year and around $100K-$125K for families with either a stay at home mom or dual income.
For this board which is the audience we're speaking to I think its individual $100-$125K and family $150K.
Posted on 7/31/26 at 7:51 pm to baldona
quote:No, but I don’t see why it would be unreasonable to expect affordable homes in the city.
You have 7+ mil people in DFW. You want them to all live within 20 mins of downtown.
That is impacted by poor policing and politics in high crime areas.
Make those safer and the homes would be more affordable.
quote:No.
And you want them to all be able to afford a home with a yard in their mid 20s?
But I do think it is important socially to want young families in these areas.
quote:No more delusional than those who did the exact same thing 50-60 years ago.
How delusional are some of you?
Cheap homes in the cities that young families could afford and use as a stepping stone.
Some of you think that it is unreasonable to expect at least the same situation that previous generations had.
Posted on 7/31/26 at 7:53 pm to gaetti15
quote:
Go eat crayons,
I'm not a Marine, we don't eat crayons!
Beat navy!
Posted on 7/31/26 at 7:55 pm to Scruffy
quote:not sure if it's been discussed itt but something people don't talk about is how much more professional/office/corporate jobs are concentrated in fewer (mostly sunbelt) cities now. most of these places that were far more affordable 20+ years ago. Dallas, Houston, Nashville, S FL.
You have 7+ mil people in DFW. You want them to all live within 20 mins of downtown.
No, but I don’t see why it would be unreasonable to expect affordable homes in the city.
Posted on 7/31/26 at 7:57 pm to dnm3305
quote:
a $100k starter home
Posted on 7/31/26 at 8:01 pm to armytiger96
quote:
Are you not smart enough to see that my response was before you asked your question?
So name calling is back okay now? You seem very sensitive.
quote:
Now to answer your question here is my educated guess . . . single individuals working full time jobs (2080 hours a year ) around $65 to $70K a year and around $100K-$125K for families with either a stay at home mom or dual income.
So, this is your assumption and you think using a median household income figure of $83k is unreasonable?
Posted on 7/31/26 at 8:04 pm to dnm3305
quote:
every day generation is too good to live in a $100k starter home
Posted on 7/31/26 at 8:06 pm to TigerJack8
quote:
From the young persons perspective, the cost of living is at an unprecedented level, let alone the cost of houses. It’s hard to save, especially if you want to raise your children in a traditional way.
But its not unprecedented. You've just been told that on here almost daily so you tend to believe that.
Is it higher today than pre-covid, absolutely!
But the Boomers who came of age in 70's affordability crisis makes yours look like child play.
Go look up unemployment, interest rates, and inflation from 1970 to 1985 and then tell us about your UNPRECEDENTED cost of living crisis.
Posted on 7/31/26 at 8:21 pm to armytiger96
quote:I would take the interest rates of the 70s if you give me the same average home price adjusted for inflation.
Go look up unemployment, interest rates, and inflation from 1970 to 1985 and then tell us about your UNPRECEDENTED cost of living crisis.
By the way, it would be about $250,000.
Average US home price is $410,000.
We’re a little off.
And I am positive the vast majority would choose a higher interest rate over higher prices.
This post was edited on 7/31/26 at 8:25 pm
Posted on 7/31/26 at 8:27 pm to Scruffy
quote:
I would take the interest rates of the 70s if you give me the same average home price adjusted for inflation. By the way, it would be about $250,000. Average US home price is $410,000.
It’s wild how much the math is consistent. I’ve shown a couple times the median income level of buying a first home right now, probably reasonable can afford somewhere around $250k depending on what they’ve been able to do down payment wise.
If the interest rates were back around 3%, they’d be able to reasonably afford the prices as they are right now. Ahhh synergy
Posted on 7/31/26 at 8:28 pm to Scruffy
I think people would find a better quality of life by moving out of the large urban centers and moved to small/mid sized cities. Cities like Fargo, Sioux Falls, several in Iowa from Des Moines to Cedar Rapids, Dubuque to Sioux City. There are still jobs and opportunities in mud size cities and the housing is much more affordable.
Gen Xer whose first house was a craftsman style house built in 1916. Classis cottage style, just drove by it today. Second home was a 1970s brick ranch. 3rd home we built in 2012. No plans to upgrade, though may do so prior to retirement.
Gen Xer whose first house was a craftsman style house built in 1916. Classis cottage style, just drove by it today. Second home was a 1970s brick ranch. 3rd home we built in 2012. No plans to upgrade, though may do so prior to retirement.
Posted on 7/31/26 at 8:30 pm to GoCrazyAuburn
quote:100%
It’s wild how much the math is consistent. I’ve shown a couple times the median income level of buying a first home right now, probably reasonable can afford somewhere around $250k depending on what they’ve been able to do down payment wise.
If the price was more inline with inflation, it would be FAR more reasonable.
Posted on 7/31/26 at 8:33 pm to Odysseus32
You sound like a loser. I know many young people of modest upbringing buying houses.
Posted on 7/31/26 at 8:41 pm to GoCrazyAuburn
quote:
So, this is your assumption and you think using a median household income figure of $83k is unreasonable?
Who said anything about $83K is unreasonable? I said $60K is unreasonable for LA in my original comment and then I gave you my best guess for LA not national.
Sorry you lack reading comprehension skills.
quote:
quote: Jesus christ. Are we just pretending we don't know what the median household income is?
No we just dismiss stupid shite that is taken from census data and doesn't pass the critical thinking test. Do you truly believe the median household for working families in LA is $60,000. If so, you believe that if we lined up every working family from minimum wage to wealthiest and the midpoint is a husband and wife making $15/hr each. You can believe that shite but I'm not buying that.
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