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Remember when DTI requirement for a home purchase was 30% and 20% minimum down? Also interest rate increases would equate to lowering of home prices. Now they either hold or go up no matter the interest rate direction. The only price drop comes with whatever creates a buyers market.
I remember in '06 watching the news where low-ish income blue collar couples where being shown what should have been considered executive priced homes. I had no idea about the ARMS loans like you signed up for.
Many economic rules/practices that lead to the 2008 crash haven't changed and it's to the detriment of "wanna be" middle-class workers. Today it looks like decent wages and living below your means is not a choice. Well, not a choice when someone won't get out of car payments and move to a district with undesirable housing and schools. Time to "harden up", keep it real.
16-34 yrs old I didn't have a bike, nor free time to ride, nor spare cash either, nor leftover energy to ride it. Slowly I was able to get back into it now I have a barnful. Young people are taught so little about wealth building, the public schools do nothing for that. You all have to "keep your eye on the prize" and know that wealth building is an endurance race, not a sprint. I remember my life when I was 16-30, it sucked and was brutal, I rember how you all feel. But sacrifice when you are young does pay off. Always remember you have a choice, work like a dog when you are young and save, or work like a dog when you are old.
50 year mortgages will inflate cost of home ownership ultimately.
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My wealth building was severely hampered by my dirt bikes, skiing and mountain bikes in my younger days. But I was able to get a mortgage and have a retirement account during that time. Didn’t have money for much else to be honest but i was happy. Im type of person who can’t sit still so I would have been in bars every weekend without my hobbies. Wasn’t until I got married that I started gaining some wealth. It still isn’t much, but it’s enough. That said, I can appreciate the challenges of young kids entering workforce with cost of insurance, vehicles, rent etc.
Aren't 50 year Mortgages common in Europe? And transfered from parent to child?
Beautifully said
Great on them. Good job. I’ve done it a while and I know it gets hard having “no fun” while everyone else does. What makes me sad is that that is required for “success”.
If keeping a roof over your head requires our young to work like that we have failed as a society. Simple Housing should not require that much effort.
Japan too.
Gee pal, listen to yourself.
Most people will say that’s crazy.. but it’s nothing more than fundamental business. The goal of every profit earning organization is to move liquid cash, assets, and wealth from other parties into its own possession. Period. It’s a game of who holds the chips and nothing more. Advertisement, goods, services, and commodities are the methods of transfer of this wealth - some good trades and most bad.
The game is simple - in fat times, acquire wealth through extraneous means. In lean times, acquire wealth through jacking up commodities and necessities.
these very large companies that exert majority control in most industries do not care to “sell goods” - the mission is to transfer wealth. It’s not rocket science, it’s just disguised as anything but to the point that most do no recognize. I’m just yapping at this point😂 passion topic of mine
What part? Is it unfair to say that if people have to work like dogs for a roof over their head we have done a bad job collectively? Is it wrong to think that a typical exchange of semi-skilled labor should suffice for a man to afford a place to rest at night?
When did it become acceptable to work as hard as you can and still be incapable of participation in traditional society?
You understand this is not tenable for long, right?
No offense, and I don't mean to be harsh, but it's not about you. You are married with a kid or kids, your life is about them, not your "fun". You took a vow in front of God and everyone you love to forsake all others, even yourself, for this women and the family you create, to provide for them - not you. Your "success" is your wife's security and your kids achievements, every thing you have should be devoted to that, you made that promise. Better yet that was a choice you made. I really can't understand how much attention the young people on this thread give to other people, what do you care if your buddies get to play grab ass on scooters on the weekend, you have a family, nothing is more important or rewarding. Perhaps you are too young to appreciate that, it would be well someday if you do. But as an grown man, fairness, fun, for yourself should be a minor concern. You sound selfish and shallow honestly, perhaps your statement came out not the way you intended. You can always look forward to things you will do when your life is more secure, I guarantee your "fun" will come, if you sacrifice now.
You’re talking to someone else. Somewhere along the way you have fatally misunderstood me. My point exclusively that
1. It’s hard to make it and the pressures of society aren’t helping.
2. It’s absurd that in order to make it small time, families have to literally sacrifice everything and have help from their parents. This is WRONG and the way our societies are setup is totally bankrupt at this point in time.
That’s it. Now as for your other comments, I’m well aware and fully in control of the commitments I have made and they’re going swimmingly. So yes, you’re right dude - it’s not all about me. Thats the theme I’ve been echoing through this thread from the get go. We have fundamentally cooked 90+% of people under 30 and as a society we WILL pay. My ship is water tight but my heart breaks for those I serve and know who are not doing as well.
It’s not about me and it never was. That’s the issue bro.
No offense but the only guarantees in life are death and taxes.
You are right about your life not being yours when you start a family. Getting married is one thing, creating and raising another person is a different thing. Choose wisely young men, both when you become a father and who you do it with.
Society also hasn't "failed" if you don't get to have "fun". Society's most noble achievement is allowing people a chance at opportunity of some kind, and it can never be an equal chance despite mankind's constant search for that for innumerable reasons. A child get's what they want, a man does what he should.
Nope it’s not crazy. Like you said, just standard business practices. Make as much money as you can for a little amount of effort as possible. There are moral implications as much of the time this comes at the cost of exploitation of either individuals or the environment. The environment being a finite resource.
Central banking, fractional reserve banking, creating money out of thin air with only a theoretical connection to labor or good produced. The necessity of debt for our current economy to function and the probably most important aspect of the fact that this isn’t a free market. Financial institutions have co-opted the government and make it work for them, at our expense. All standard procedure but things are imbalanced and will eventually have to be recalibrated. Sooner the better because we’re destroying the earth in the name of short term and short sighted gain. And I’m no green person either, it’s about common sense and respect for others that will come after us.
Great article here on how things work and debt:
https://www.greenhousethinktank.org/static/2014/why_capitalist_economies_need_to_grow_-_for_green_house_Oct2014.pdf
Peace out dude. You’re not even remotely reading let alone comprehending what I’m saying. At all.
Pit Row
You did state if you had to work like a dog and not have fun we have failed as a society.
Why haven't you or your wife's parents helped you in the way you claim young people need now? Or have they? It was easy to make it in their day you claim, what happened?
Dude I never remotely said that. I never said anything about me. I never said anything about not having fun!! 😑😑😑😑 go read again.
Your other question is as follows:
My wife’s side “doesn’t do that”. Fair enough. Simple enough. They have 3 kids and I get it. They’re comfortable but not rich.
Now for me, my dad was a retard that turned to drugs during my parents marriage and began using intravenous substances, alcohol, pharmaceuticals, and the like. Ironically he was pretty successful through that but regardless a divorce occurred. I was one of three. My mother removed us from the situation and restarted her life 1000 miles (exactly) away with a first year income of 14k. She made it work. When my dad died we relocated back to where we started but my mom had to walk away from her high paying job. Through a series of very sad and unfortunate events, we as a family have not returned to that status.
So - what about me? Well, I’m son and husband. My mom works and does fine but I usually step up to help her. I put a roof on her house. I drop off goods and stuff fairly often. Not because she needs it but because it’s what’s right.
this is nobodies fault and I’m blessed and privileged to love my mom how she loved me, but that doesn’t magically make checks hit my mailbox cause I’m doing the right thing.
Absolutely Early. The hardest thing I have ever done was raise my kids. It is so worth it in the end. I barely finished high school, but both kids are college graduates, and one has a doctorate in engineering, couple of awesome grandkids too.
Idk why I even said that much you can’t read anyways😂😂😂
So it was easy back then for everyone except your parents?
Third sentence. Hard having no fun it says
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