/biz/ - Business & Finance

>>54325101
>oh no people want to be able to afford a place to live because we mindlessly treated housing as speculative and created a massive bubble filled with the most predatory practices known to man
Day of the pillow draws ever near, boomer.

>Truly the laziest most entitled generation.

Fuck off, I work 12 hours a day 5 days a week and I'm expected to pay 7.5x my yearly wage for a home. Like I care if some boomers and overleveraged fags are forced to get a job and pay rent.

>>54325156
Lower. Your. Tone.

>>54325156
>WTF???? YOU EXPECT ME TO PAY MONEY FOR THINGS?????

Kys millenial

Lol, I rather rent than buy.

If you got your home through a hand me down, you are blessed.

Buying a home today isn’t worth the price.

Property taxes are something like 2,000 to 5000 per year in many states.

The cost of fixing a roof and the rest of the house is ridiculous. Most houses I’ve seen are poorly built and falling apart.

I make 75k a year and pay 8k in rent.

No thanks, no buying your house bags.

>>54325226
That’s great bro, awesome blog post. I make 75k a year from my rentals alone, profit. Not equity, profit, after taxes and overhead.

>>54325268

Yea, I’m sure you don’t “tend” to all those properties. They just fix thenselves for free huh?

Lol, I’ve worked for landlords doing home reconstruction. Renting isn’t as profitable as flipping houses.

>>54325101
Millennials have no conscience at all. A generation of sociopaths.

>>54325372
Yeah, ok, sure retard. I really don’t give a shit what you think spewing baseless retarded garbage.

>>54325156
I work 13 hours a day 7 days a week you lazy bastard

Shouldn't have made a poor investment choice like a depreciating asset priced way higher than the inflation-adjusted mean. Better luck next time!

>>54325423
>Le depreciating asset meme
Yeah ok retard, cope and seethe. 500 square feet in NYC is worth more than you’ll ever own in your entire life.

>>54325148
Yep

>>54325101
>financial misfortune on millions of people?
who is negatively affected by a housing market crash?

>>54325101
Is there anything more disgusting than a debtor cheering for their zillow score to rise? How sad of a person do you have to be to wish financial misfortune on millions of people by inflating the currency and taking out debt? Truly the laziest most entitled subhuman shit on Earth.

>>54325474
all the poor landlords and institutions who own hundreds or thousands of commercial and residential properties, they're people too!!
think of all the poor institutional investors and those mortgage backed securities sitting in the tiny rundown vaults of these poor mom and pop banks...the humanity...

>>54325101
Oh no food is cheaper.
Oh no gas is cheaper.
Oh no housing is cheaper.

>>54325372
Pic related

>>54325390
Only a millenial would say such a hyperbolic thing! Why are millenials like this.

t. Millenial

>>54325575
Well... when you put it like that.

>>54325101
you vill zell me ze haus and you vill like it

>>54325101
>>54325130
>>54325156
>>54325268
>>54325421
>>54325492
>>54325592
>>54325595
If literally everyone and their mother is standing on the sidelines waiting for prices to dip to scoop up houses for cheap, then how is it ever going to dip?

Demand sounds ultra high, supply is limited, where is the indicator pointing to 2008 level housing market collapse? Was there an entire generation of people (millions and millions of potential homebuyers) waiting to gobble up property? I’m not talking about banks, I’m talking about regular ass middle class people

>>54325268
>he says as he comes to post about it on 4chan

>>54325101
Boomers are losing their wealth just in time to retire and I'll be cheering all the way down.

>>54325613
>Was there an entire generation of people (millions and millions of potential homebuyers) waiting to gobble up property? I’m not talking about banks, I’m talking about regular ass middle class people
Literally yes.
>If literally everyone and their mother is standing on the sidelines waiting for prices to dip to scoop up houses for cheap, then how is it ever going to dip?
A house sale occurs when one party wants to sell and the other wants to buy. What happens when nobody is buying but the seller still wants to sell?

>>54325613
In a recession obtaining credit is a lot harder.

>>54325613
>waiting to gobble up property?
who is waiting to gobble up properties?
most people are on their second or third credit lines
savings rates are at their lowest levels maybe ever
a credit crunch is all but confirmed
so think on this for a minute: how will these greedy soon to be homeowners waiting to prey on a precarious housing market going to finance their dream homes?

>>54325101
Every weekend I go to the neighborhood I want to buy in and shoot off a few rounds into the air to drive down demand.

>>54325148
High IQ post

>>54325156
>>54325421
I grind 24/7 you fucking faggots

>>54325673
Thinking like a real landlord now. Don't forget to invite jamal's family to do drugs in the streets until everyone in the neighborhood sells their house, then buy for cheap and call the cops to clean up the issue.

>>54325101
Personally, it's not even about housing. Anything that hurts boomers brings me joy and happiness.

>>54325101
>Housing prices went up at least 5x, if not now more since 1990
>Household income has remain exactly the same over those 30 years
>"WTF why are the generation we fucked over not picking themselves up by their bootstraps and instead wanting prices to go normal"
Boomers will have their graves spit on

>>54325101
Lol I own a home and i'm cheering for the crash too. I want a bigger house

>>54325101
You’re laughing
My real estate portfolio is down millions and you’re laughing

>>54325148
Good post. Francisco Goya is the artist

>>54325661
Literally look at the OP image you brain dead faggot. I know a dozen people who have been saying for a year that they’re waiting for the market to crash to buy a house

>>54325101
Boomers pretty much took a loan on the money of future generations. If they didn't care about us why should we care about them?

>>54325613
All metrics point to most people drowning in debt right now just to pay the fucking bills. Anyone who ven has the mony to jump into at a house at these prices right now with rates as hi as they are either have money to burn or are about to get reamed hard when prices drop and they're house is worth $150k less and they just lost thir pointless job.

>>54325148
Originally the painting had Saturn with a partially erect penis. This was deemed unfit for public eyes when the mural was removed from Goya’s home to be used for public display.

>>54325792
>CCN
>I know
well I knew you weren't the brightest judging by the mass reply faggotry but I still did it anyway
maybe extend the same courtesy and use your brain for once

>>54325101
IT DOESN'T MATTER WHAT YOU WANT

THE CRASH IS COMING AND I'M GETTING MY HOUSE.

>>54325797
It is funny listening to a lot of this, it mostly sounds like this board is filled with a bunch of late 20’s/early 30’s losers with no assets, no equity, low paying or no job, sick and filled with angry jealous of those who have succeeded in the same circumstances as them.

Desperately hoping, praying that the people who accomplished more than them could be knocked down a peg and feel the pain that the down-trodden loser feels every waking moment of his life. Irrationally deciding that everyone who makes a lot of money will lose their home, their job, their family, whatever it takes to bring the successful high achiever down to the sad pathetic loser’s level.

Seriously, seek help if I just described you

>>54325797
no no you don't understand
you missed the part where this highly educated anon anon knows PEOPLE and they're timing the market and are all waiting to buy their third homes cold cash
all 2 of his friends are ecstatic about the market crash apparently

I swear we are 3 weeks away from mainstream claiming it's racist to want deflation.

>>54325592
>Landlords get the wall
They get a bunch of them. And a roof too!

>>54325892
how much does a home go for in New Delhi these days anyways?

>>54325978
Hit a little too close to home eh? New Delhi might be your best bet if you’re trying to buy a house this century

>>54325156
just 7.5x? lucky bastard, try 14x like everyone else

>>54325226
I'm probably going to save for a condo, maybe follow billboard anons advice, then get a car, move up to a townhouse and either sell the condo or rent it, learn a new language, then move to a house

>>54325226
>I’d rather pay my landlord’s mortgage for him
Thanks for the free money rentcuck paypiggy

>>54325892
I have a house, faggot. And two working eyes.

>>54325673
good idea

>>54325372
No one actually is renting to make a profit. Most people who have excess cash just use real estate to hedge against depreciation of the dollar.

>>54325372
non retarded rentoids will fix things themselves to save on rent hikes for constantly calling out maintenance shit. I know this, because I do it

>>54325892

I'm not hoping for anything I'm merely looking at data and trying to understand where things are going. Based on this it means that inflation has already chewed through the paycheck to paycheck crowd and people are using credit cards to pay bills.

Once you start dong that it's just a matter of time to defaults.

>>54325892
Boomers are the shittiest generation

>>54326241
>gets feelings hurt after being roasted by their peer
>”wahhh you’re a le heccin boomerarino!!!!!”
Cope, seethe, dilate, etc etc

>>54326286
self immolate

I'm a millennial and I am not hoping for a housing crash.

It's never been easier to get chicks and if shit hit's the fan I can make 200K on my house after sellers fees and fixing it up. I lived at my parent's for 3 years to save up for one. I hope the prices go even higher.

You markers are sweet.
Bei g landlord sucks dick. Rental yields are 3-4% gross *if* you don't come across proverbial or actual njggers and the unit is occupied nonstop
Blackrock leeching off the gov and boomer 401ks can afford such low yield. Normal person not so much

>>54325101
Prices are artificially inflated due to FED meddling. Its a massive bubble. It will drop 50% in real money terms even if it does not in nominal terms.

>>54325101
Millenial here have house that's almost payed off part of me wants a complete crash of everything but in reality that will just result in a complete slave state rather than an uprising where the people take their country back, because the cattle will beg the people who caused the problem to fix it and I don't think I would like that timeline

>>54326056
yeah I was gonna say, before taxes its like 7.5 for me, but after taxes its like 10x my anual income.

>>54325148
Damn. Nail on the head.

>>54326417
There's too many people interested in a house for this to happen.

The fact that interest rates are as high as they are and having minimal impact on the housing market shows how powerful the demand is.

I am convinced globohomo is doing this intentionally so blackrock can buy everything and force the rental/you will own nothing and be happy future.

>>54325956
underrated

>>54325101

If you’re just buying a house to live in why would falling house prices be a problem for you?

>>54326500
Because if shit hits the face in one instance you will have enough cash to live for a good while.

In the other you could potentially kill your credit score.

>>54325101
Because ever since the dotcom era the flows of capital have been directed heavily at tech companies that by mid 2010s have peaked in effective customer growth but because tech CEOs and executives and VC investors are dumb and/or psychopaths they keep draining capital to chase even dumber and useless garbage in hopes of trying to find new wealth in areas that are already tapped and a waste of time and energy to pursue. Jerome will keep raising rates until the nasdack cracks and idiot institute investors continue to lose their investments in more bank collapses.

TLDR some time mid 2020s meta stock will get 9/11'd by insiders and most of AI "companies" will go up in flames when sensible investors take over markets again. Michael saylor is one of the few tech oligarchs that understands logic and can read an income statement.

>>54325101
>started looking at tiny houses since even land's too fucking expensive these days
>most are just retrofitted sheds and trailers sold at a premium
>most owners are "downsize to save the earth" and "leaving material possessions behind has fulfilled me" types
>I just want an affordable house
>end up watching multiple videos of people praising the efficiency of living in claustrophobic 50sf apartments
>they sleep in 4 foot tall "lofts"
>they're okay with this
>think I'm going insane
>realize I'm going to end up a rentcuck or in ze pod whether I like it or not

I want to escape. Our society is built around debt and I just want to be free.

>>54326571
Agreed up to the last part. Chatgpt is unstoppable.

>>54326453
Unfortunately the reality of the financial system and the criminal wholesale counterfeiting USD is catching up and it is time to pay the piper, demand or not. Many people outside of USA are holding a ticking time bomb because they can only get 5 year fixed rates at best. Canada is going to suffer massive losses, and any other country where long fixed rate mortgages are not a thing or really rare.

>>54326588
These tiny houses aren't even cheap either. There's really no point to them aside from living as a meme.

Millennials and zoomers are priced out forever. Everyone that owns is ratelocked = no new supply entering the market. Additionally, because of demographics, there is a HUGE bulge of people aged 28-33 in peak home buying years right now. The supply just isn't there. Boomers pulled up the ladder behind them. If you didn't own before 2020, you're fucked. Sorry.

>>54325613
I can say for myself I know at least one couple that's on the brink.
>bought their home in mid 2019
>dude has some bullshit comic book job
>wife is a substitute teacher
>they bought a house about three times larger than they needed for a baby
>spoiler alert: she is barren as the Mojave
>filled this entire house with furniture "because that's what credit cards are for"
>she is refusing to work because COVID
>he is in debt up to his eyeballs
A single crack in this and they WILL sell and there are likely millions of idiots like this.

>>54326613
the only option here is family, either inheritance, or stepping up and becoming the goddamn don, rounding up all your family members and coercing them to collectively contribute to enough land or homes together to sustain all of you at once

>>54325101
the house prices in my country (Australia) are facing an increase despite 10 months of increased interest rates reducing borrowing capacity because they increased immigration and because Canada and NZ banned foreign investment so they're buying up everything here.

rents are out of control through unchecked mass immigration, so no one can save up for a deposit with house prices being the second highest in the world behind Hong Kong. We can't even allow for a natural correction, the only way that will happen is if china declared war on us and they have the ability to cripple us by literally rugpulling our economy by tanking the real estate market

>>54326453
actually demand is fairly low, the problem is that the number of houses for sale is also super low. No one wants to sell their house with a 2% mortgage when they would have to buy an equally expensive house with a 6% mortgage. The FED really threw things out of whack by letting rates get to 0 and set there for so long.

>>54326417
Found the anon that isn't brain dead.

Why is real estate in western countries so profitable. Chatgpt even told me that the countries where it's most profitable is Canada, the us, Germany and the UK.

>>54325398
>I make 75k a year profit on all muh rentals
And yet you're still here, getting the best threads shut down for free

>>54325651
Will VA loans be good?

>>54326848
my guess is that as western countries offshore their manufacturing to poorer and cheaper countries, meaning they transition to a primarily service-based economy which is not as huge as an economic driver they need to increase GDP through artificial means through mass migration which puts more demand on real estate.

>>54325892

Max vax shills keep popping up. What's the deal with these NPC enforcers? where are they coming from and who is paying them?

>>54325101
>Is there anything more disgusting than a millennial shitter cheering for a housing market crash?

fuck yourself faggot. Debt strapped faggots and government benefactors are coming out on top only because reality isn't allowed.

>>54327384
Just because you don't like if doesn't mean it's true

>>54327719
>illiterate debtard

Why am I not surprised?

>>54325101
Yeah, what's more disgusting are the retard boomer fags who bought their house with 1 years salary from working at McDonald's thinking everyone else is lazy

>>54325892
careful, keep pushing and they might go postal

>>54327719
>doesn't mean it's true

get fucked faggot. none of these NPC vaxers even make an argument. Go take a look at excess death numbers and continue to keep pretending it's meaningless.

>>54326848
Unsafe speculation allowed by banks under the policy that a wide catchment of capital is better than a safe pipeline.

>>54326453
Prices aren't moving because boomers refuse to not get an immediate 2x after replacing the flooring with the cheapest thing at Lowe's and painting the walls gray. Properties are just sitting on the market right now waiting for the first boomers to capitulate and crash the value of the neighborhood.

>>54325101
the sad part is that even if housing crashes 30% most millennial still won't be able to afford to buy. Anyone who thinks it is going to crash back to 1960s prices is deluded.

>>54325892
Going into a shit ton of debt =/= accomplishment or success.

Talk to me when you can afford to buy your home with straight cash.

>>54325268
>I make 75k sitting on my ass thanks to buying in the 80s
Wow I wonder why millennial are cheering on a collapse lmao

>>54327918
>buying a house with cash instead of a near zero interest loan
Ask me how I know you have no clue what the difference is between future vs present value of money.

The sad truth is the reason you’re all so poor, angry, and jaded is because you’re too dumb to help yourself. Instead of studying finance even at a rudimentary level you’d rather just seethe with impotent rage, blaming everyone but yourself.

@54327953
bait or bad irony

>>54327953
Wow you got a zero interest rate loan while buying in at the very top of an obvious overinflated bubble. Great finance education you got there buddy.

>>54326453
>it's globohomos fault
>totally has nothing to do with 25% of boomers owning 5 houses
For once the jews didn't do this

>>54327990
naww he got that good good education he talking about time value of money and sheiiit

>>54327953
these shills never speak in concrete terms, or give specifics. They just act like smarmy little conceited faggots. back to plebbit faggot.

>home owner and rental prices skyrocket
Looks like vagabond Chad wins again

>>54327990
Love how quickly you change your argument when it’s exposed how much of a financially illiterate retard you are.

Stay mad, stay poor, stay a rentcuck paypiggy paying for big daddy landlords mortgage sweetheart. I heard he’s looking into a 10th property so make sure to add a tip this month! Lmao

If you weren’t all so bitter and spiteful and generally detestable, I’d want to help you. Unfortunately some people can’t be helped (or just choose not to be helped)

>>54328043
faggots like you will be the first to get killed by your "pet" niggers.

>noooooo how DARE you enjoy my assets value going down noooo thats so rude stop it!! I'm going to literally call the police on you for being mean to me

>>54328007
This. This faggot in particular will just stop replying to you now that you've exposed what he is. A huge faggot.

>>54328071
How will I be killed by something that I don’t live within 50 miles of? Please do not tell me you fell for the city meme and are projecting that onto strangers from the internet.

Ignore everything I say but listen to this one piece of advice: get the fuck out of the cities asap. Do whatever you can to get out now

>>54328007
What specifics do you want? If your interest rate is lower than the rate of inflation you are making money simply by being in debt. If inflation is low then interest rates get lowered and you can refinance for a lower interest rate/mortgage payment and pay even less.
>>54328088
Cry more rentcuck faggot, don’t forget to add a tip to the rent this month for your hard working landlord

>>54328090
no anon you are the niggers
>and then anon was a nigger

>>54328114
Rent is due in 6 days, pay up little piggy! Your landlord’s mortgage isn’t gonna pay itself, that’s what you exist for. It’s your only purpose in life to pay for another man’s property. Imagine that

>>54326901
>tfw assumed some retarded GI's VA loan after he got divorced and needed to sell
Thank you for your service.

>>54328167
Based homeowner dunking on vets. I bet he’s a rentcuck now

>>54328035
>rentcels hate him
>landcucks hate him

>>54325156
I do 14 x 5 and I'm considering working 2 more. Send help boys I don't know if I'll make it.

>>54325708
based high IQ post

>>54326705
>muh immigration
>muh foreign owners
just like in canada, these are easy scapegoats for a far more complicated market; one that is compounded in australia by bullshit zoning laws in australia's capital cities, covid and all the bullshit surrounding it, and most saliently, the fact that boomer property owners rule the fucking country and weild all the political power as a voting block, and do everything in their power to keep the ponzi scheme that is the australia property market going
it shows you how fucked the market in sydney is that china banning online study and having all the changs move back here barely pushed the needle on the already insane rental market

>>54325101
Wanting the bubble to stay inflated forever is the epitome of boomer entitlement.

>>54328362
no no no no no no no, it is not immigration keeping rents high, it is because you are all living alone.
>https://www.abc.net.au/news/2023-03-24/rents-rba-research-notes-trends-household-composition/102141272

>>54325673
Damn kinda funny

>>54328043
>Love how quickly you change your argument when it’s exposed how much of a financially illiterate retard you are.

Cope. You went into debt to FOMO like a sperg into some cardboard foundation dump of a house in some shithole like Phoenix for hundreds of thousands of dollars at the very top of a housing bubble. That is all there is to it.

>>54325717
Basado, me too :)

>>54328448
>tfw seething faggot gets every possible detail of your life wrong
Hey at least you’re trying, you get a little bit of credit for that. I do have to remind you though, rent is due in 6 days like I told the other seething fag. Pay your landlord’s mortgage like the good little rentcuck pay piggy you are and if you’re lucky he might even let you tip him extra this month

>>54328167
Thats a thing?

>>54325892
Here’s your
>(You)

Kek

>>54328479
I'm on vacation overseas, cry more though. Next time dont act so impulsively with your finances and go into debt at the clear top of an asset bubble.

>>54325797
>>54326645
>retards get 500,000 in debts
It seems like banks have high standards for loans so how are people always in debt for loans and credit cards? Is there a secret to debtmaxxing that I'm not understanding? Or do they just never pay any debts they incur until it is ruining them?

>>54328488
you will own nussing, lebowski

>>54328852
>It seems like banks have high standards for loans
faulty premise

>>54328852
they maintain their debts, they never clear them.

>>54328112
>If inflation is low then interest rates get lowered and you can refinance for a lower interest rate/mortgage payment and pay even less.
This is only true if the appraised value of your property doesn't drop below your loan amount, which is unlikely if the Fed is lowering interest rates because everything is collapsing. Whoops, now you're under water and can't refi!

>>54328881
Alright so it seems like if you're a normal human being with a high credit score, you have to pass shit tests to get a simple loan. But if you're a subhuman retard somehow you get all the money in the world given to you. That's my premise.

>>54325148
spbp

>>54325156
My house cost me 4x my yearly wage.

>>54328917
There are entire classes of loans, often backed by the US govt, meant to allow broke retards to get themselves into a home. It's fucked up.

>>54328925
yeh we got them in australia. you cannot be a completely broke retard, but you can be broke enough to not ever be allowed anywhere near a fucking mortgage.

>>54325956
CARLOS!

>>54325101
Here in Euroland every neighbourhood needs atleast 30% socialized housing.
I live in a newly build house wich are being sold around me for 500k for 850 a month.
If i ever go Unemployed the government Will pay for my housing and food.
America sound like hell.

>>54325101
they best way to fix the housing market is to not let Chinese people by property. Force CCP goons to sell at half price or seize there property. Just like that 30% rise in housing availability.
aka fuck chinks

>>54328112
Said before I already have a house you illiterate faggot. Clearly you're here to be a faggot than discuss anything relevant to the subject.

>>54329146
>Force CCP goons to sell at half price or seize there property
In Europe we've been seizing russian oligarchs wealth and property I don't see why we can't do it to another member of brics

>>54325148
Fuck. This entire era expressed perfectly.

>>54325130
Kek

>>54325714
>interest rates were 30% back then!!!!!!!!!!!1111

What goes up must come down, landlords :)

>>54328362
the government is starting to swing against the boomer landlord demographic
not sure if you saw the election over the weekend

>>54328479
ironic that rentoids live rent free in your head

>>54325156
Napkin math tells me you're making around $11 an hour. Unironically a fucking skill issue, kill yourself wothless millennioid

>>54326330
Where do you live?
How are you sourcing girls?

>>54325639
>Nobody's buying but sellers want to sell
Actually sweaty the opposite is happening, people want to buy but sellers don't want to sell for less than current market price. 2% mortgages are cheaper than any rent and they can wait out longer than people can remain renters.
>You will take out a 40 year jumbo loan at 7% and you gon like it

>>54325892
Holy based right in the feels

>>54325130
>Day of the pillow

And then after day of the pillow are you going to move onto Day of the Immigrant, Day of the Foreign Housing Investor, Day of the Real Estate Investment Firm, Day of Murdering your Sister who Inherited your parents home because she’s older than you?

Lol

>>54329931
Whoever made this image is a total incel

>>54329931
>nooo nobody will hire me because I’m ugly and antisocial and I’m not attractive and likeable noooo

Well kill yourself then genetic trash loser

>>54326453
I'm just not going to buy a house unless the prices drop 50%
I'd rather just leech off social welfare programs and drive up your property taxes until it happens.

>>54325101
Don't care, buying the dip

>>54325156
>>54325421
imagine proudly saying you work longs while being exploited by your employers for meager pay

54329941
54329970
54329957
>back to back seething
Anons hit a nerve huh

>>54326705
>because they increased immigration and because Canada and NZ banned foreign investment so they're buying up everything here.
This is one of the things no one talks about.
You don't need to be a citizen to own property in the US.
I work for an international company and my team has people from all over the world.
Last week I was talking to this Taiwanese guy on my team who owns like 10 properties in the US and is looking to buy more. The guy isn't even a fucking citizen but he's like a slum lord. He doesn't even live here. He told me he looks for properties in rural or small town areas and has an agent check it out for him, then buys and converts it to a rental and jacks up the rent as high as he can. He was telling me all this like it was just obvious and that I should be applauding him or something. I wanted to wring his neck. I'm sure this is happening all over. American citizens being price gouged to have a roof over their head by foreign speculators. The fact that our government even allows this to happen shows that they don't give a fuck about the people.

>>54327953
>Future Vs present value
You may as well advocate for unrestricted hedonism too if the present matters so much. And also never save and just spend. Low time preference.

>>54325892
>succeeded in the same circumstances as them
lol. lmao.

>>54325101
non-home owner: waaah too expensive, housing crash wen?
becomes home owner: nooo must increase in value.

Boomers have propped the housing prices to insane levels and because of that, young people cannot afford a living. So who is the victim here you idiot OP? How ignorant you must be that you want to keep profiting at the expense of younger generation? Fuck you, let's all hope for the housing market crash! Homeowners will be fucked big time.

>>54325207
I'm less consoomerist than most boomers and I just pirate shit (but it's mostly books these days, don't care for goyflix), but then, I live in Eastern Europe.

>>54326571
There is a lot of technology or science ideas that could be useful to the world, but those are mostly in the research phase, not turn in some gismo shit to profit from the consoomers phase.

>>54326609
>>54326588
I don't know, if they were slightly larger and with a right price they could be good. But then, I'm not a consoomer and realized that material belongings can indeed become burdens.

every time i see a rentoid thread i tell my agent to add another $10/week to all my properties


what are they gonna do, buy a house? LOL

>>54328909
and THIS is only true if you had zero equity in the home to begin with
ps this is the real reason you should put 20% down, it isn't just for pmi

>>54325148
we seriously need to start talking about instituting mandatory liquidation for boomers. they've destroyed the economy enough.

>>54325462
>500 square feet in NYC is worth more than you’ll ever own in your entire life.

that's the problem, retard. 500 sq ft in NYC isn't actually worth that much.

>>54330926
actually it is, you cant fathom just how unproductive and worthless you are compared to a professional in NY

>>54329941
> Day of Murdering your Sister who Inherited your parents home because she’s older than you?
Hey I mean it worked in medieval times just fine.

>>54330941
>the space is valuable because the occupants are productive, like really super productive
>the space has something to do with the productivity
is this your argument?

>>54331052
its valueable due to its location

its location being the area with high paying jobs

jobs that pay highly because the people in them are very productive


contrast that with your trailer park

54330757
54330941
54331119
>back to back seething
>again
Anons hit a nerve huh

>>54331154
>this mad

just paid your rent i take it?

>>54329110
Stfu, slave

>>54331119
Why shill for your jewish masters npc? Does that make you feel like you’re part of the club useful idiot?

>>54331251
>rentoid
>anti-semite

every time

>>54325592
>economic problems
>QUICKLY INSTITUTE COMMUNISM AND GIVE JEWS ALL POWER
kys

Everyone with a chunk of change is ready to buy if the market tanks. That 500k house you offered 250k for will be sold to me for 251k.

You'll get your shot if the Alpha generation coming after you is more retarded than you were (eating laundry detergent, auto-castration, etc etc). It could happen. But I doubt it.

>>54331364
>That 500k house you offered 250k for will be sold to me for 251k.
blackrock will buy everything

>>54325207
I laugh and spit on broke faggot boomers. If youre a boomer and aren't stinking rich than you are a complete retard. Entitled boomer faggots would be slaughtered if they had to pull themselves up by their bootstraps in this economy. Kek

>>54331378
>blackrock is buying single-family homes
wrong. typical buzzword loser cope to blame the investor class for their problems.

Ateotd the lucky zoomed will pay rents to millennials and they will be happy bc ignorance is bliss. They'll be grateful they don't live in the pods while they cook their own bugs in my kitchen.

>>54325101
Stupid article. People not in that market are hoping that an over-inflated market will come down so they can afford a home. Since many of those who aspire to own homes are millennials, they must be a problem.

Such logic.

Day of the piss (and shit) draws near, boomers. Tick tock!

History books will shit on the Benedict Arnold generation of boomer grifters and liars.

if you make it and not buying people their homes so blackrock can't kike up the market you're a literal nigger.

>>54325160
Fuck you boomer.

>>54328852
White people get as much debt as they want tbhfam.

>>54325101
Fuck off and get rekt.
Needs to drop by 30% minimum across the case shiller index.
If you bought the high, you'll cry.
Not buying your over priced shitbox. Rates are going much higher.

>if you make it and not buying people their homes so blackrock can't kike up the market you're a literal nigger.

g8 b8 or 8 too many tide pods
I don't hate zoomers or niggers anymore than I hate mosquitos. They are just a fact of life and nbd if you know how to repel them.

>>54325148
dude what the fuck are the odds I see this picture... I just got a brief overview of the topic from a cheesy anime I watched today called witch hunter robin

>>54331528
I just imagine Rush and Churchill smoking big cigars, taking just a second away from a round of golf to look down and chuckle at the angry faced unempolyed leftist with his micropenis hand.
If he pissed off some onions fueled vandal enough to get pissed on, he won.

>>54332175
These weren't even boomers you massive imbecile. Also, trying to cool down our fucked markets isn't fucking leftism but common sense

How the fuck is there even still a housing shortage if commercial real estate is getting freaking obliterated?
In the financial district near me there are plenty of empty storefronts that haven't been occupied in two years, why not just convert them?

Housing shortage is a psyop by greedy as fuck boomers.

>>54332463
It costs money to convert them. Businesses don't have bedrooms, living rooms, or full baths. Often it just isn't worth it.

>>54325101
>housing market crashes
>housing prices drop 20%
>poor retards still can't afford a house and now their retirement funds are also down 50%
Yawn, wake me up when the currency system crashes.

>>54325226
You do realize that your landlord could also sell that home but instead of doing that, he chooses the more profitable option which is renting out.

>>54332630
supply and demand my nigga
there is plenty of square feet in prime locations that aren't being developed.

>It costs money to convert them, no one has money to convert these
>now buy my 900k 2 bedroom housing unit

>>54330015
i dont think they're being proud anon

>>54332463
Nobody wants to buy commercial real estate hence Blackstone walking on a few loans recently.

>>54325101
I’ll go further - I hope boomers lose everything material before they croak and are sent to hell for fucking up the world

>>54325613
>literally everyone and their mother is standing on the sidelines waiting for prices to dip to scoop up houses for cheap, then how is it ever going to dip
Was hoping for a banking collapse that scalps everyone and businesses with more than $250k in a bank account.
That would help lower housing prices and lead to a great depression.
I don't care because it means the world returns to normal for a few years before kikes turn on the money printers.

>>54332754
I hope the rates in hell are high so the boomers are charged an arm and a leg for their stay.

>>54332700
I mean it costs way more money to convert a business into a home than it takes to renovate a old home into a new home. It's way more work than just buying some old homes that nobody wants and renovating those instead.

>>54332836

>>54325101
Crash in my part of the country would be a 10% drop then crab for a couple of years before pumping another 50%

>>54331687
They don't.

>>54329970
>says the guy on 4chan

>>54332175
How fucking dare you put that faggot Limbaugh on the same level as Churchill?!

Markets don't give a fuck about boomer or Gen x faggot emotions. The shitcoin known as housing went up like a balloon and now there's nobody left to pump the bags at the top. These faggots don't realize that fear and greed apply to housing, just like every other asset on the planet.

Boomers greedily overleveraged their homes by importing 18 quintillion brown people, and now we'll get to see the tears on the ride down. They have no one to blame but themselves

>>54325101
>housing
I want the entire global financial system to crash and for society to collapse and for humanity to descend into a savage state of barbarism and chaos an for the planet to be struck by an asteroid the size of Texas that wipes out 99% of all life on Earth.

>>54325631
Haven't boomers been retirement age for a while now?

>>54332175
>boomers are now stealing credit from their own parents

>>54331318
>QUICK THE JEWS HAVE ALL THE POWER, GIVE JEWS ALL THE POWER

???

Stalin killed more jews than hitler

>>54334960
>Churchill
The tard who thought Gallipoli was good idea?

>>54326613
good evening poorfag retard on a 30 year layaway welfare purchase plan. no one except manual laborers and minimum wage retards (like you, judging by your response) is priced out. they're just waiting for a better deal.

>>54328835
>I'm on a vacation overseas wasting my time on 4chan
lol

>>54325148
How can a single painting describe so well an entire generation ?

>>54331311
oy vey

>>54325226
>buy cheap home
>pay 1250/month
>equity is $300/month
>interest is ~750
>taxes and insurance are split
>write off interest at tax time for 25% return
>only cost me $7000/year to live
>don't fix anything until I move out
>turn it into a rental after 5 years
>I now write off all the fixes
>I now get depreciation
>Charge some fool $1900/month
>Take home like $7,000 plus

where is this "its impossible to buy a house now" meme coming from?

if you make like at least 60k a year its not hard as long as you aren't fucking retarded and took out 200k in student loans and financed a brand new car like 90% of these retarded millenials and zoomers did. That's the real reason why everyone cant get a house, everyone thinks they can actually afford college and new shit just because everyone else is doing it. Nobody is living within their means, even the boomers. I literally get so pissed thinking about how my parents stress about being able to buy a new home when they both just finance brand new cars whenever they pay them off after 10 years.

>>54335666
thats literally what i'm saying, like are all these retards trying to buy houses in big cities or some shit? get a decent cheap home or even a multi family and go charge some rentoids more than your mortgage while you live in the other unit. simplest concept ever.

>>54335673

You are provably wrong.

>>54329941
Literally all of those would improve the world

>>54325892
>don't point out the jewish Ponzi scheme
>you should have just won the rigged game!
By most metrics I'm in the top 1-5% of men and even then it was a battle. I look back at all the pitfalls I barely missed and how I was helped out immensely by family. Then you think about how you barely made it w/ a 130 IQ, and that some poor dude clocking in at 95 barely has a chance.

housing wont crash
cope zoomers

>>54335704
I never said the market didn't get harsher, just that its still possible to get a nice starter home. Plenty of the homes i look at that arent shitted out still would get you a mortgage payment similar or even less than the cost of rent in a shitty little unit. I don't really see where the problem is. Why cant someone making 50-60k a year afford a 1300-1600 monthly payment?

>>54335790

So when proved that horseshit is flowing out of your mouth you just keep talking. That absolute fucking state of you.

>>54335790
because everything else is more expensive now. boomers comparatively lived in luxury for the same amount of effort and labor. millenials, and to a lesser extent zoomers, want that same standard of living. instead, boomers leave their children holding their bags and wonder why political extremism is taking root in their youth.

You could operate like every other civilised nation and have your government subsidize housing in essential areas to create affordable living space where it's needed, but the megacorps who have a stranglegrip on American politics will not be able to exploit as much as they do.

>>54335823
I'm just asking you a question bro, I didn't even look at your chart. Why can't someone afford a 1500/monthly payment while taking home 3000 a month post tax?
>>54335836
What is it that people are spending on that is taking up an extra 1500 a month? I barely spend at all. Even with insurance, gas, and food, I still save almost a grand a month while building equity on a home.

>>54335876

You're obviously an idiot and the only response to someone like you is just to call you a nigger. Language seems to be beyond you.

>>54335851
section 8 housing is already a thing and they're all spic and nigger hives. demographics have ruined any potential for socialized systems being good/functional.
>>54335876
basic living expenses + modicum of luxuries so you can pretend you are not living in a 3rd world shithole. if you are living out in the middle of nowhere and are fleeing from civilization instead of reclaiming it, then yeah, you probably aren't hurting economically, you will just disappear from relevance and the genepool as you deserve.

>>54329931
>>54329957
theres truth to it though, autists have a hard time in job interviews

>>54335702
>thats literally what i'm saying, like are all these retards trying to buy houses in big cities or some shit?
You do realise there is a lot more to buying a home than purely the price. From a 'technical' point of view, yes, it is 'possible' to get a cheap home if you are 50 miles outside any habited area and someone wants to sell you an asbestos death trap. However, even if the housing a serviceable, are those homes near good schools? Are those homes near my workplace? Is the community filled with undesirables? Can the house be insured? What's the crime rate of the area? Is the house up to basic standards? Does the house have issues with heating/leakage/damp etc. Buying housing is not a simple as "Roof = sorted". People who want to buy a home want a stable and secure community. They don't just want the bricks and slate.
>get a decent cheap home or even a multi family and go charge some rentoids more than your mortgage while you live in the other unit. simplest concept ever.
Excluding the fact people usually don't want to live with a handful of strangers that you don't know, this is exactly why America is fucked. Basic necessities such as housing are nothing more than money-generating vehicles to try to exploit people for as much money as possible providing as little as possible. Other countries have issues like this, but to no way near the same extent because they either have significant subsidised housing to fuck over monopoly landlords, have better housing regulation or they regularly build more housing. The American government, despite numerous examples of successes in other Western nations, has decided to do nothing for the last century because God Forbid they upset the "free market" of megacorp monopolies.

>>54325101
When will boomers realise that Millennials are approaching 40 and already have children and a house?

Professional house flipper reporting in. Need to buy another house soon to make money but I fear I am going to have shit tier timing on the market. Also thinking about transitioning to doing renovations as a contractor but I cannot into sales or talking to people or having a boss this shit sucks.

>>54331318
It's not communism to shoot leeches. It would probably be considered antisemetic if anything

>>54325101
how will there be a crash when millions of millennials are all cheering for one? the demand is so high

This is just a bs demoralization post. Becacuse of the Ukraine war, psyops are going into overdrive right now. https://www.youtube.com/watch?v=1IGUoAQYupM

>>54325160
kek

>>54336694
How many of them have enough money to buy in the event of a crash? You could halve house prices and I'm sure less than 10% of under 35s would be on a position to get finance

>>54326645
>they WILL sell
and live where?

they wont sell. they might get foreclosed on and guess what that means. 2 years of living for free and destroying the house. if you dont have experience fixing up a house, youre gonna get ripped off by some fixer upper.

>>54325148
>boomers are the reason i make poor life decisions and am a loser
lol americans are so retarded, literally living life on easy mode and still screw everything up then blame it on boomers

>>54336720
im 26. i have 200k cash. and about 100k in retirement funds to borrow against if i needed to.
ive only worked for 3.5 years.. and prob the youngest millenial/oldest zoomer.

i bet most older millennials at least 100k cash. also inheritance etc. im not a white kid. my parents were broke af. no inheritance. if i have this much money as a single guy living alone, 100% all these white millennials that are dating and 30+ have much more. i dont even work in software/tech where people are making ridiculous amounts of money.

>>54336785
And if that was the typical position of a millennial you wouldn't be using it as a not so subtle brag on an anonymous anime imageboard. Why don't you check out some actual statistics on the wealth of under 35yos

>>54325160
Kekk

>>54336785
This post is just another demoralization post. Most people don't have that much money when they retire let alone when they are 26.

>>54336821

i know im doing better on paper with savings than most millenials under 35...but I HAVE NO INHERITANCE.

More than half, or 52%, of millennials who are expecting to receive an inheritance from their parents or another family member said they expect to receive at least $350,000, according to a recent survey of more than 2,000 adults by Alliant Credit Union.

every fucking normie has an inheritance. thats why they spend so carelessly and debt max. most will get a free house or 2

>>54337050
why the fuck would i lie on here...200k is nt a lot of money... my base salary isnt even over 100k yet....
i just saved and lived frugally. i prob made 10-15k in the stock market total to increase my wealth. most of my wealth was made just from income and being frugal. im still behind all my normie friends who are going to inherit a whole house and prob 200k+ for doing absolutely nothing but have their parents die.

>>54337115
Posts on here are mostly lies

>>54336670
exactly, sadly mutts are just stooopid

>>54337155
im not lying but if it makes you feel better think what you want.

Most normies will inherit 350k+. I work with older people who are buying houses for their kids in middle school now. thats the reality of the world. Nepotism kills all forms of meritocracy.

>>54335702
Why the fuck should we have to live with fucking strangers just to have a chance at owning nice property? No generations before had to do a bunch of extra steps like this to own their own property. They just had a catalog of affordable property and picked out the one that suited their family best. Now the situation is people having to scramble and fight over ones that they can barely afford but will probably hate living in because they're in shit neighborhoods or have to expose themselves to the risks of depending on strangers' income to keep a roof over their heads. I don't know how anyone looks at the housing situation today compared to that of any other time in history and thinks the way things are currently are 1) normal 2) sustainable and 3) sensible.

>seethe rentoid

I have a house faggots.

>>54335702
>charge some rentoids more than your mortgage
are you doing this?
i can tell youre prob not because as a landlord you odnt decide the rent rates. the market does. if you choose to rent higher than what the market charges, you will have vacancies.

>>54335673
I made 110k last year. Only debt is a 2018 toyota i bought last year with 70k miles for reasonable payments. I have 15k (i know everyone on /biz has millions in the bank, but i don't) for a down payment and more money set aside for closing costs. I am finding it impossible to buy a home. Every offer i make is rejected. I go 10k-15k over, and my realtor sighs. Everything is going 50k over asking minimum no inspection or any concessions. Half the time, people pay cash. These are junky 300kish homes in a midwestern college town. Im about to give up for 3rd year in a row and resign lease. The open houses are insane for 12 hours the house is packed with interested buyers parked blocks away like an estate sale. From on the market to sold is 72 hours.

>>54337115
>I ONLY manage to save 100k a year! Other people are privileged!

>>54337671
i saved like 50k a year. been working for about 3-4 years.

>>54325101
We have plenty of extra fentanyl lying around to put to good use at least.

>>54325207
That list looks just like my GFs monthly expenses.

>>54325148
A picture is worth a thousand words.

>>54325808
Is this still available somewhere? Hate to be plebbit but do you have a source?

>>54326848
Countries which developed before the gold standard was abandoned saw their economies flatline or reverse growth when adjusted to gold, making a rotting pile of bricks gain value relative to currency. Additionally the population growth which is artificially kept higher than what the economy can support by the means of mass immigration generates demand for basic necessities over what is economically viable.

>>54336766
post nose

>>54329599
yeah desu i'm keen for a labour government, it'd be hard to kowtow to boomers and scumbag arab property developers harder than the libs did
plus capped tolls!

>>54325101
I hope people who FOMOed in, STR niggers, and anyone trying to rent residential property loses it all this year.

>>54328852
Did you know the people who went bankrupt from 08 now have clean credit?

>>54337095
>millennial expect to receive 350k
OK and how is that going to pump your realestate bags in the coming year?

>>54325101
>housing as an investment vehicle
Everyone responsible should be hanged.

>>54325697
Imagine not working 25/7

>>54338442
We've had a Labor governemnt for a while now and immigration has only increased with property prices increasing even with increasing interest rates. You really think albo and his m8s dont have their own bags to pump? Also the name is spelled Labor.

>>54337095
This is why I believe inheritance should not be a thing, giving your descendants a free pass in life is a form of de-evolution, how is your DNA suppose to improve if you lower the bar and nothing is test on your offsprings, passing knowdge and providing the best education and skills you can get to your offspring should be enough, this world would be more balanced and fair if inheritance was taxed at a 90% rate at best

>>54338821
i would agree. get rid of income tax and tax the shit out of inheritance. world will progress in wonders.

>>54326142
While the hedging part is true, you're retarded to think no one makes a profit

>>54329957
is the "incel" inside of you right now? rent free?

>>54325101
a boomer cheering rising cost of housing.

>>54336785
>200k in cash after 4 years of work

if you make 100k a year you get taxed 27k in Taxes a year leaving you with 73k to play with, if you live frugally like you say and expend 13k a year on living expenses, you could barely garner 200k uninvested in 3.5y, unless you are making way above 100k, your position is not common and you are a privileged person, especially if you have no debts.

Also, 70% of Americans live paycheck to paycheck, and only 10% have more than 30k save up in banks, anything past 100k in saving accounts belongs to the top 10% in this country dog, most Millenials can't afford 150k loans as singles.

>>54328481
Yes VA loans are all assumable, but since I'm not also a qualified veteran he won't be able to get one again.

>>54337050
>>54336821
he is correct, Im a 31 year old and I have 140k cash. I dont see a housing crash coming.

>>54337115
>i have this much money as a single guy living alone
>my base salary isn't even over 100k
>most of my wealth was made just from income and being frugal
The numbers just don't add up unless you are working remotely in a high paying job in a very low CoL area. I'm near your stats, but only because I lived at home leeching off my parents while working a tech job.

>>54339127
Nigger you're fucking retarded you're an individual and not representative of the average. The figures are available you can see how much money the average millennial has saved

>>54339027
yes i spend less than 10k a year on living expenses.
also, idk what language i need to say this.
I HAVE NO INHERITANCE.

more than half of americans are getting AT LEAST 350k in inheritance. money they get doing nothing. Many millenials are getting married etc. so they will pull money from their parents of both families as well as their grandparents. I dont think you understand how much money millenials and zoomers are gonna get once boomers croak. Boomers did not inherit as much. we are about to see a huge divide between have nots and haves when boomers pass away and the great wealth transfer happens.

>>54339215
I know you're trolling, but time value of money. That estate isn't gonna matter because it's coming when you're already financially established. Most people's parent's aren't going to keel over until they're in AT LEAST their 40s. Life's basically over by then anyway.

Boomers are actually cheering for a housing market boom on Twitter so young people can't afford homes and start families. It seems the very image of entitlement.

>>54339133
my numbers make complete sense because im not lying. i spend maybe less than 10k on myself living expenses.
no i dont go on vacation or spend a lot being a fatass.
I lived with roommates paying no more than 600 a month on housing/utilities. i dont think ive ever spent more than 200/mo on food.
2019 i had like 30k eoy?
2020 i think i hit 100k eoy including retirement accounts. maybe 70k without.
2021 i made like 89k w2, 11k stocks.
2022 i made like 125k with overtime.
now i make 99k. i got a 13k bonus.
total i have on cash is probably 210k. my retirement funds are like 80k. perhaps i made more from my unrealized stock gains but most of my nw is my w2 wagie income.

>>54339289
bro i work with these grandparents that have 100k lined up for each of their grandkids. how do you think all these fucking normies are buying houses at these prices? no theyre not in debt to their eyeballs, they have NEPOTISM

it sucks for the other 30% of us who dont have rich family but majority of america is getting nepobux. sorry if this is a blackpill for you but its just the reality.

>>54339289
>Most people's parent's aren't going to keel over until they're in AT LEAST their 40s
it doesnt matter.
im not gonna start spending my 200k tomorrow. i dont touch that money. i only touch part of my incoming income.
the point is they know they have an extra 400k coming when theyre older so they can live more freely than the rest of us.

do you understand?

>>54325101
This is exactly why I don't believe their will be one

>>54339215
millenials will get NOTHING
because boomers will reverse mortgage and use it up before they die, the banks will get their homes. they don't care about their kids because

a) they think they're kids are doing great (every generation before gen x did better then their parents and boomers dont understand that stopped being the case, they don't want to understand)

b)they believe any inheritance would be wasted on avocados and funkopops anywways

c) "i got mine" being the generational mottos

d) they believe in the now seen as deprecated theory of overpopulation, and they don't understand replacement rate or how all developed countries are below that

>>54339445
also gen x gets nothing
they never had their time in power and now never will

>>54338821
you lower the bar on mundane shit giving your offspring a chance to do something beyond the mundane. send your children back to start from zero and they live paycheque to paycheque to pay rent instead of starting new business empires and meeting more exciting and rewarding challenges.

>>54339445
the importance of d being they don't care that they're not getting grandchildren. nor do they care that being unable to afford a house is a major catalyst of population decline. they see it as a good thing because they don't understand the science has changed on this

>>54339445
nigga youre just coping.
you need to hang out with normies.
theyre all inheriting a good amount.
every girl i went on a date with never made much money but had a whole fucking house she inherited from a grandparent or something.

this is the real for MOST americans. you and i are just not that fortunate. i used to think this was an anomaly but nah, most people have trusts and inheritances set up. often parents/grandparents dont tell the kids tough. lets not forget life insurance. thats one thing even ill get when my parents pass away. i think my dad had a 200k plan. so yeah ill get like a third of that split amongst my siblings. most people have some life insurance plan as well.

>>54325892
The fact that you view and treat an entire generation as "losers", the ones who will REPLACE YOU, shows that you have learned nothing and everything deserves to be stripped from you.
Sorry gramps, cycle of life.
No one will miss your greedy asses when your gone.

>>54339445
>>54339459
>>54339493
>>54339527

>GAY

the ID was accurate

>>54339445
>because boomers will reverse mortgage and use it up before they die, the banks will get their homes. they don't care about their kids because
The best outcome. Banks usually flip houses fast because banks don't like being in the business of renting. Its not cost effective for them, too much risk.

>>54338821
>This is why I believe inheritance should not be a thing, giving your descendants a free pass in life is a form of de-evolution

Found the boomer.

>>54339493
Sending and paying for your kid's college, and buying a car for them is more than enough, if you are a good parent that passed his knowledge and good habits to his kids, all they need is no debt.

Spoil them rotten and all they will do is play League of Legends and crap like that all day.

Spoil them even more and you will rob them of the feeling of archiving something great like obtaining a home or traveling often.

Why do you think depression is found mostly in wealthy families even when those homes are not dysfunctional? Your kids need to find meaning in life, giving them everything will take that away and erode the DNA you pass onto them, we exist to evolve, no challenge provokes the question of why we are even alive.

Use your wealth to improve your line evolution, not destroy it.

>>54339684
a lot of mental gymnastics to justify why you're reverse mortgaging the multimillion dollar house to the bank while your children grow up in a world where they can't afford a house and never start a family.

ok not saying you're doing that, but people use your arguments to do that.

but yes, there is a balance between spoiling your offspring giving them everything and holding them back by denying them advantages you could offer them.

also travel is expensive. im in my mid thirties and i have dreamed of travel my whole life and have never left canada. an inheritance robbing someone of travelling makes no sense. its costs thousands of dollars to take a plane. also "obtaining a home" is basically an impossibility i don't know anyone who has the money to actually buy a house these things cost almost a million at least, they just "buy" it on debt they spend the rest of their lives paying off.

>>54332854
Imagine buying that, you could then fug your gf in a church like in the doujins

>>54325207
Whoa, I saved $3000, I can finally buy a house.

>>54339846

>>54329970

>>54329941
literally yes dumbass
don't forget day of the matzo

>>54325892
>Desperately hoping, praying that the people who accomplished more than them could be knocked down a peg and feel the pain that the down-trodden loser feels every waking moment of his life.
I'll be honest, I don't give a fuck about what the "havers" do or feel, I don't feel punitive or malicious envy to them for having things I strive for
I feel anger because its not enough that they have and keep, they must also deny me the opportunity to have as well. The ladder-pulling, earth-salting, keep-away that is makes me hate

>>54325101
I don't wish misfortune on anyone. I just want to buy a house for the prices they were at least 3 years ago.

commercial real estate crash will deliver pod conversions

>>54336766
Boomers and jews are the reason houses (something you need to live in as a shelter) cost too much.
I live frugally and I still think houses are inflated in price. Get rid of McMansion shit or whatever and build affordable shitboxes or apartments who don't care about muh mansions.

>>54325101
boomers aren't people

>>54325101
I will cheer for the death of miserable boomers.

>>54325207
That DoorDash fee is legit! I spent over $500 in one week once. I work 7 days a week 16 hour shifts though.

>>54325421
ya got soft hands brother

>>54326665
We call those cults. We kill them whenever they pop up.

>>54325156
> 7.5x my yearly wage
Why is this a problem?
BTW I'm a millennial too, and I own my home. Maybe you should move somewhere cheaper or learn to code

>>54326453
meds

>>54329941
All of these get done in 1 simple step with a little holocausting