re: So all I need to do to afford a $750,000 house

Start by voting for people who want to dismantle the Federal Reserve and put an end to the perpetual devaluation of our currency.

I don’t know how young you are, but at 45, I feel like I just made the cut. I completely understand where younger people are coming from on this. They’re being asked to work and pay into Social Security to support an older generation that was able to afford homes more easily—and likely has significantly higher net worth—while knowing they may never see those benefits themselves. It’s a racket, no doubt.

That said, cutting unnecessary expenses like subscriptions or overpriced coffee won’t fix the system—but it doesn’t hurt either. Every little bit helps, especially when the game feels rigged.

For what it’s worth, my wife and I make good money, but we live well below our means. I pay cash for cars—never new, rarely even nice. We don’t use credit cards and carry no debt outside of our mortgage, which we’re on track to pay off early thanks to a sub-2% rate and consistently paying double toward the principal.

Unfortunately, for younger people and those who don’t already own a home, that kind of interest rate may never come around again. Ironically, if rates hadn’t been kept artificially low from 2008 to around 2024, we might not be in this situation. The prolonged suppression of rates devalued the dollar and eroded purchasing power—leaving today’s generation to deal with the fallout.