Independent thinking for complex markets and current events
This means, even if you are one of the few young families who “makes it” and can buy a home, the odds are high there won’t be many (or any) other young kids on the street for yours to play with Very different from our experience as children — Amy Nixon (@texasrunnerDFW) June 7, 2026 …
RECORD 401(k) WITHDRAWALS SIGNAL FINANCIAL STRAIN A record share of Americans are tapping retirement savings as financial pressure rises. In 2025, 6% of workers with plans run by Vanguard Group made hardship withdrawals—up from 4.8% in 2024 and about 2% pre-pandemic. The main… — First Squawk (@FirstSquawk) March 4, 2026 COLUMBUS, Wis., March 04, 2026 …
The number of homebuyers is absolutely collapsing pic.twitter.com/GeQYeddflX — Darth Powell (@VladTheInflator) February 7, 2026 Household formation just hit a 9-year low. The next decade could see the slowest household growth in 100 years. At the same time:• Boomers are aging out• Birth rates are falling• Vacant homes are rising The uncomfortable question is simple: …
by confoundedinterest17 Home prices exploded under Biden and Covid Federal spending. Making housing unaffordable for millions. Now the turnover rates for homes is at its lowesst rate in decades. Existing homes are now more expensive than new homes. Florida housing is getting gut-punched from Naples to Punta Gorda. Yikes! Median age of first time homebuyers …
More than 40,000 signed home purchase agreements were canceled in December, representing 16.3% of all homes that went under contract, according to Redfin. There were roughly 47% more home sellers than buyers in the market in December, according to the real estate brokerage. Atlanta saw the most contract cancellations in December. Serious headwinds in the …
Institutional homebuyers tanking on the Trump tweet pic.twitter.com/7gXizdG7DW — Don Johnson (@DonMiami3) January 7, 2026 Grok: Trump posted on Truth Social about banning large institutional investors from buying single-family homes, saying he’s taking immediate steps and will push Congress to codify it. This led to a sharp drop in stocks like Invitation Homes (INVH), down …
What was once promised as convenience and innovation is now exposing cracks that affect real people. Teenagers are confiding in AI chatbots with alarming guidance. Homebuyers are being misled by algorithm-generated listings. Platforms we trust for daily life are quietly decaying. Across the digital landscape, the costs of automation and poor oversight are becoming painfully …
https://qz.com/credit-scores-tank-record-student-loan-delinquencies Borrowers are falling behind on their student loan payments at a record pace — and their credit scores are suffering the consequences, a new report found. More than 10% of consumers with a student loan on their credit file haven’t made a payment in more than 90 days, according to a credit trend report …
The housing market didn’t collapse. It was looted. The 2008 crash wasn’t a failure. It was a transfer. The Fed absorbed $2.7 trillion in toxic mortgage-backed securities from its bankster accomplices, dumped the fallout onto taxpayers, and called it stability. “The Fed still holds about $2.7 trillion in mortgage-backed securities, down only slightly from its …
Home prices are about to turn negative again. I illustrated the last several year of home prices to show what's under way. pic.twitter.com/OZGqCtMypQ — Mike Simonsen 🐉 (@mikesimonsen) August 16, 2025 Transfer of power to the buyers. 🤙🙌 pic.twitter.com/mTIec4zllk — QE Infinity (@StealthQE4) August 17, 2025
Redfin: U.S. housing market now 508,715 more home sellers than homebuyers That’s the most home sellers have outmatched homebuyers in over a decade, according to Redfin pic.twitter.com/3kmfduePlh — Lance Lambert (@NewsLambert) August 4, 2025 Lol pic.twitter.com/Y61dW5nuvv — Darth Powell (@VladTheInflator) August 3, 2025
The S&P 500 just closed above 6170. Nasdaq is over 20000. Every financial outlet is painting it as strength. But if you step away from the screen and check the wallets, it’s clear the real economy is strained. More than half of Millennials and Gen Z say they are using buy now pay later apps …
The typical U.S. homebuyer puts 15% down, essentially unchanged from 15.1% last year. FHA and VA loans are becoming more common as the housing market tilts toward buyers. Just over 15% of mortgaged homebuyers use an FHA loan, and just over 7% use a VA loan, up from last year. 31% of buyers are paying …
The median age of homebuyers has climbed to 56, marking a dramatic shift in the housing market. This is the highest recorded age for buyers, reflecting the impact of soaring home prices, high mortgage rates, and tightening inventory. Younger generations are being priced out, leaving older, wealthier buyers as the dominant force in real estate. …
uhh… WOW! https://t.co/pDlpOfxWQt — Roberto Rios (@peruvian_bull) May 21, 2025 Trump announced he’s seriously considering privatizing Fannie Mae and Freddie Mac, two government-backed companies that support the mortgage market by buying loans from banks and turning them into securities. This would shift them from government control to private hands, involving key figures like Treasury Secretary …
The average age of homebuyers in the U.S. has risen by six years since July 2023 — another sign that younger Americans are being priced out of the market due to escalating ownership costs. The average age of homebuyers is now 56, up from 49 in 2023, according to the National Association of Realtors’ annual …
The median household income necessary to purchase the median home for sale in the US ($120k) is over 40% higher than the current median household income ($85k). The most unaffordable housing market in history continues. h/t RobertBartus
https://x.com/jam_croissant/status/1842958215757377892 First time buyers are getting older too https://www.cbsnews.com/news/average-homebuyer-age-millennial-data-realtor/ h/t Fun_Balance_1809
Citing budget constraints and limited funding in the state’s housing assistance programs, California Gov. Gavin Newsom vetoed a bill Sept. 6 that would have expanded eligibility to include illegal immigrants. “Given the finite funding available for [California’s Housing and Finance Agency] programs, expanding program eligibility must be carefully considered within the broader context of the …
(Bloomberg) — The US housing market — long crippled by an inventory drought — is finally starting to see listings rise. But now, in many places, the buyers just aren’t showing up. Sellers are grappling with the fact that higher-for-longer rates are choking off demand during what’s typically the key season for the market. And …
When real estate broker April Strickland looks at her local housing market in Gainesville, Fla., she sees a mismatch. Industry data show that only a few hundred homes are sold each month, she said, yet there are more than 1,500 local Realtors. Strickland has seen the ups and downs of the housing market since 1995, …
https://finance.yahoo.com/news/homebuyers-need-to-earn-80-more-than-they-did-in-2020-to-afford-a-home-in-todays-market-090055980.html They can redefine recession, change how and what CPI numbers measure, but they can’t redefine prices without actually putting more buying power into wallets. At the end of the day, manipulating reported numbers is just covering up for a problem that will get worse the longer it is swept under a rug instead of …
Desperate property developers in China have resorted to gifts like new cars, free parking spaces, phones and other consumer goods to attract homebuyers and boost flagging sales. These incentives are just the tip of the iceberg in a crisis involving hundreds of billions of dollars in home builder debt, trillions in local government debt and …
by confoundedinterest17 Housing in the US is simply unaffordable! Under Bidenomics, home prices are up 30% while real weekly earnings growth has been negative for most of Biden’s Presidency. And mortgage rates are up 178% under Bidenomics. Sky-high mortgage rates and still-rising home prices have made it harder than ever to afford a home, especially for …
Poland has cut taxes for first-time homebuyers and raised taxes for those buying multiple properties (like corporations). Should more countries do the same? Read more here: https://notesfrompoland.com/2023/09/01/poland-cuts-tax-for-first-time-homebuyers-and-raises-it-for-those-buying-multiple-properties/ h/t TonyLiberty
A buyer on a $3,000 monthly budget can afford a $419,000 home with a 7.7% mortgage rate. Read more: https://t.co/PjUD0QHHd7 — unusual_whales (@unusual_whales) October 8, 2023 via unusualwhales: A buyer on a $3,000 monthly budget can afford a $419,000 home with a 7.7% mortgage rate. They lost $38,000 in purchasing power since last October. They …
US housing market affordability is, by far, at its lowest point in history. Even in the worst part of the 2008 financial crisis, affordability was ~15% BETTER than its current levels. With the recent move higher in treasury yields, we should see 8%+ mortgages within a week or… pic.twitter.com/fhfRwmMcSf — The Kobeissi Letter (@KobeissiLetter) September …
It is clear that home affordability is deteriorating rapidly, and this trend is likely to continue in the near future. This could lead to another housing market crash, as people are unable to keep up with their mortgage payments. h/t bawalibaba
