re: When do Boomers take ANY accountability?

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But my issue isn’t the end price. It’s the 6.5+ Interest Rate

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Not ragging on you, but you're (or others in similar position) are going to have to find a way around the interest rate. This isn't a pull yourself up by bootstraps comment, just a reality check. Interest rates have historically been in the upper 7% range. I think cities allowing pre-fab homes for the more affordable move is a good start on bringing starter home costs down. There are some nice pre-fabs that can be anchored to slabs and are better built than on site stick build. Better quality control and final product. Not talking about mobile home type stuff.

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Since Freddie Mac began tracking 30-year fixed mortgage rates in April 1971, the long-term historical average has been approximately 7.70% to 7.74%.

Highest Rate: The all-time record high average was 18.63% in October 1981, driven by the Federal Reserve's aggressive efforts to combat late-1970s inflation.
Lowest Rate: The record low average was 2.65% in January 2021, resulting from Federal Reserve interventions during the COVID-19 pandemic.
Recent Trends: Rates surged from near 3% in 2021 to over 7% in 2023 due to inflation. As of July 2026, the average rate is approximately 6.58%, which remains below the five-decade historical average but is high compared to the 2010–2021 period.
Decadal Averages: The 1980s saw the highest decade average (approx. 12.70%), while the 2010s had the lowest (approx. 4.10%).

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NC_Tigah


Why are you wasting your time? Midtiger farm either doesn't want to understand or is incapable of understanding.

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Rather than taking his bizarre concerns about Boomers and their accountability to his Boomer parents/grandparents or other Boomers he may know, he instead bleeds out regularly on the PT forum whining about Boomers. He's a weak arse kid looking to blame someone for his poor decisions and insecurities.

GROW THE FRICK UP!!!!!

[quote]A literal drop in the bucket compared to ss and medicare as far a national spending


Medicaid is like a trillion a year.

Edit: AI said north of 14 trillion over its lifetime. I dont think reaching 20 trillion, or half the debt, would be difficult by adding up all the ginmedat programs that are multigenerational and abused as hell.[/quote]

I think if you use Minnesota as an example of the scope of outright fraud/theft from US taxpayers it's not too far out there to believe in any given year the US taxpayer is being ripped to the tune of $300-500 billion annually. If the US government simply tightens the screws down on waste, fraud and abuse along with prosecuting the fraudsters, then I think it's possible to begin the reversal of the debt spiral....but it's likely not gonna happen.

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bout 12% of Americans 65 or older work full-time.

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What % have continued in near 40 hr. week due to recent laws and what % is working on contract?

I know many have taken early retirement and went right back to their old jobs on contract.

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bout 12% of Americans 65 or older work full-time.
What % have continued in near 40 hr. week due to recent laws and what % is working on contract?

I know many have taken early retirement and went right back to their old jobs on contract.

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I know a lot of Boomers, all 8 of my siblings are Boomers, many of our friends are Boomers, none that I know of have retired and went back to work as contractors. I do know a few Boomers who are doing part time work to make ends meet.

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What % have continued in near 40 hr. week due to recent laws and what % is working on contract?

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I believe it's in the link, and "full time" is defined simply as employment > 35hrs/wk.

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This ^^^^^ post is going to make a good run at being the dumbest PT post of 2026

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What's hilarious is lot of these guys self-identify as conservative.

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NC tigah who thinks he a ss expert

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It is an interesting exchange.

NCT posts that, on arrival to DC, every penny of payroll tax is immediately converted to an IOU US Debt obligation to the SSTF, and then spent in the general fund.
Midtiger farm responds NCT knows nothing, that there is no money in the SSTF.

NCT posts SS will run at a deficit beginning in 2034 if the program is unaltered.
Midtiger farm responds it is a myth that Social Security cannot run a deficit.

Frankly, I think the "Boomer" BS has you so blinded you cannot assess that every counterfactual you offer is a confirmation of what I'm telling you.

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So let's narrow the discussion to your perception that silents, or "boomers," (or Gens X,Y, Z) are the beneficiaries of SS.

So let's focus on the horrible boomers, OK?

In early 1983, the Social Security system was on the verge of imminent financial failure. By late 1982, the Old-Age and Survivors Insurance (OASI) Trust Fund was hemorrhaging money and losing roughly $17,000 every minute.

Actuaries projected that the main trust fund would be insolvent by July 1983 (sound familiar?), at which point the federal government would have lacked the legal authority and liquid funds to issue full benefit checks to retirees and disabled Americans.

So Boomers got hit with the Social Security Amendments of 1983 to ensure the Greatest Generation, and Silents would receive payments they were expecting. It was a different day and time. There was no mass information. There was no Internet. Boomers were convinced it was their duty to ensure solvency of Social Security.

Nonetheless, SS payouts expanded massively (and erroneously) in the 1970's. (from 1972-77, COLA adjusted benefits were essentially double counted). As a result, where combined payroll tax in 1970 was 8.4%. The recalculated payroll tax rate for boomers turned into 12.4% ... a 150% increase.

As we face the 2034 SS challenge, what boomers were confronted with would be the equivalent of current combined payroll tax jumping 18%!!!
Can you imagine your payroll tax jumping 18% ???
Yet, your attitude is boomers somehow screwed you?

Could that not serve as the basis of reasonable reset in dialogue here?

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Further, who do you assess as the beneficiary of SS in it's current form?
It "offers" a 3% GUARANTEED ROI to 20&30 somethings. What 20-30 something imbecile would voluntarily accept that "deal"?

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hilarious is lot of these guys self-identify as conservative

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Can you please show us the post where a non boomer posted non “conservative” ideology?

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You'll need to do some comparative research there.

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LBJ, Carter, Clinton, Bush, Obama…
Pretty much sums it up.
The takeaway could be they were the most easily duped generation via the television and it’s propaganda.