/biz/ - Business & Finance

SFH has been in freefall in real terms since '71, prices will not fall nominally

No nominal crash. Housing has been falling in real terms since '71, and continues to freefall against Money (BTC)

>>56927225
Slavemind. Money literally flows, monetary expansion causes money to flow almost exactly like electricity, with the "monetary impedance" (how easy an asset converts to money) of an asset determining how fully an asset inflates for a given increase in monetary base. Labor is a high impedance asset, and that is the cause of the wage/productivity divergence seen since '71, houses are a rather high impedance asset as well and have been in freefall in real terms since '71. Monetary expansion is the mechanism behind oligarchical parasitism, as it guarantees risk free capital return, but you will continue simping for your masters instead of freeing yourself by saving in a fixed unit of account.

Only based man on plebbit

Reminder that RE is one of the worst performing "investments" in the world. Why do you think it's shilled so hard to the wagie debtslave? Houses have roughly doubled in nominal price since 2010, a 20% ($40k) down payment in 2010 invested instead in SSO would be nearly $500k, invested into QLD would be over a million, invested in BTC would be billions, putting a significant fraction of your networth into a fucking cardboard shack ESPECIALLY if it also forces you to reduce your DCA into actual well performing asset classes is a one way ticket to NGMIville.

Only buy when the following conditions are met:
1) total monthly cost is comparable to or less than rent
2) down payment is less than 50% of working capital

>>56776201
"investing" in RE is the ultimate pseud move

Housing isn't expensive, you're just poor.

>>56744194
Retard. High "monetary impedance" assets are toxic garage under expansitory regimes

it's always a bad time to buy, RE is one of the worst performing "investments" in the world. Why do you think it's shilled so hard to the wagie? Houses have roughly doubled in price since 2010, a 20% ($40k) down payment in 2010 invested instead in SSO would be nearly $500k, invested into QLD would be over a million, putting a significant fraction of your networth into a fucking cardboard shack ESPECIALLY if it also forces you to reduce your DCA into actual well performing asset classes is a one way ticket to NGMIville.

Only buy when the following conditions are met:
1) total monthly cost is comparable to or less than rent
2) down payment is less than 50% of working capital

Houses have roughly doubled in price since 2010, a 20% ($40k) down payment in 2010 invested instead in SSO would be nearly $500k, invested into QLD would be over a million, I won't even bother telling you how much it'd be if you'd invested into BTC. Putting a significant fraction of your networth into a fucking cardboard shack ESPECIALLY if it also forces you to reduce your DCA into actual well performing asset classes is a one-way ticket to NGMIville.

The only practical escape from the wage cage is investing as high as possible fraction of income into assets that outperform monetary expansion, i.e. BTC or leveraged equities, everything else is a value trap designed to keep you on the wagie plantation.

>>56632184
>just live hand to mouth for 20 years goy don't invest, instead rely on a deprecating asset that you'll be need to liquidate for retirement so you leave nothing to your children and they'll also be forced into wage slavery!

Housing isn't expensive, you've just allowed your income to creater because you're a bootlicking statist slavemind. Threadly reminder: median household income in 1970 was 235oz of gold.

Threadly reminder that RE only falls in value in real terms.

>>56468408
>"I sure do love dealing with niggers and underperforming burying shiney rocks in my backyard!" t. re cuck

Houses aren't expensive, you're just poor.

>>56422483
High interest rates increases monetary base at a faster rate than low FFR as debt is paid with debt, look at the 70s, twice the rate of monetary expansion than the '80-2020 period. Money injected into an economy works almost exactly like electricity, it flows into liquid assets just as electrons flow into low resistance, the wage/productivity divergence e.g. is caused by this phenomenon, as labor is a exceptionally illiquid asset. The same pattern is seen in other illiquid assets like housing, in contrast, liquid assets which have reached full capitalization exhibit a flat trajectory when factored for money stock (gold, broad market) while liquid assets that have yet to reach full capitalization exhibit upward trajectory after factoring (BTC, tech sector). The only thing that can kill BTC is fiscal prudence (lel)

>>56398858
>30% gain after 30 years
Threadly reminder that housing has fallen in real terms, which is to be expected under fiat as Fed funny money preferentially flows into liquid assets. The illusion of SFH appreciation is just a byproduct of labor being an even more illiquid asset than housing. The only way out is saving in highly liquid assets, i.e. Au/Equities/BTC, remember MEDIAN household income in 1970 was 235oz of gold, stack liquid assets.

Housing only goes down in real terms under fiat, as Fed funny money preferentially flows into more liquid assets. The illusion of SFH appreciation is just a byproduct of labor being an even more illiquid than housing

Never stopped crashing, your income is just crashing faster

Blame the Fed, everyone wants spic prices and then wants to cry when they get spic work. Only thing you can do is drop out and accelerate the crash, funny money flows into liquid assets causing a parasitic transfer of resources from illiquid asset holders (labor is a exceptionally illiquid asset) to liquid asset holders

When I factored for money stock

>>56317943
Enjoy accelerating poverty.

>nominal
The circulating supply of the USD shitcoin has 42x over the last 50 years, housing hasn't even kept pace. Fed funny money preferentially flows into liquid assets.

Spreadsheet, you dumb fucking nigger. I hate you zoom zooms more then I hate the boomers.

Yes, you are getting poorer. No, houses have not gotten more expensive.