How can we get Millenials to buy homes?

>>133015914
Raise the minimum wage.

Decorate the houses with My Little Pony.

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>>133015914
I don't know, you tell me.

thread theme
https://www.youtube.com/watch?v=cwhLueAWItA

Release a boomer-specific plague so they all die and all the properties they've invested their pensions in so they can rent them out at sky-high rates go back on the market

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I'm buying one next year. I live in a cheap state (Alabama) and will be looking for one in the 150,000 to 200,000 dollar range. I've got 50,000 in savings.

>>133015914
lower the price

>>133015914
>Kill the boomers sitting on the jobs that can actually afford homes.
>Stop funding bullshit degrees.
>Put an upper limit on tuition that will be funded by the government. (private schools that cost $30k+ a year to fund football programs can fuck themselves)
>encourage trade jobs as well as 4 year degrees
>tax second, third, fourth homes heavily (they just inflate markets by creating artificial demand that won't actually be utilized)

For starters.

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I suggest a revolutionary new home design for the Millennial generation.

Modular pods deployed in fields just outside town. Kind of like a futuristic caravan park. We can have a central node transmitter for data/wifi and regular bus/autonomous car rental services into and out of town. All you need is a double bed, a shower, a basic kitchen with microwave (Millennials don't cook remember). We can also discard tv and phone lines.

>>133015992
Through responsible parenting.

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>>133016629
Something like this?

>>133016329
/thread

>>133016800
Yeah that's the basic model you pay more for additional modular floorspace

>>133015914
Build out new attractive cities

>>133015914
I was going to write a post about how millenials can easily be convinced that refusing to buy a home is racist and/or misogynist, but given that this current trend is rooted in anti-semitism which is exponentially worse, I'm not entirely convinced millenials would care. It would be like telling a serial arsonist not to play with matches.

>>133015914
Build a home with cheaper materials and less luxury features, allowing you to sell it for a lower price.

>>133016800
whats that? biodegradable coffins?

>>133017430
Can't. Would break building codes and local laws.

>>133017540
Google fema coffins.

>Encourage them to see a credit counselor
>Inform them of available resources for new home buyers such as FHA and RD
>Slap them with a massive fist of reality that they can't afford to own property in metro centers (if they don't make a reasonable income for it) and that driving isn't the end of the world

>>133017540
They're FEMA coffins so if there's ever some enormous epidemic that leaves millions dead there aren't just corpses rotting in every street.

I grew up in a smaller home in Iowa, USA. My parents had mortgaged it for 40k (this was back in 1980. Later we moved to a different town nearby. A few days ago, I drove by that same house and the sign says 170k. Yet, it's the same color, same roof, same garage.

LOWER THE PRICE if you want people to buy.

>>133016629
You know, I've actually seen this idea being tossed around on /jp/ before, back when they used to have neet generals. Basically, there is this company based out of London that makes micro-homes that are about the size of a small bedroom, and a handful of anons had talked about forming some kind of commune where people could bring their own cubes and just live there for a small fee, almost like a trailer park. It was a really fascinating thread.

>>133015914
Wipe out their mortgage-sized student debt

>>133018273
And this is contingent on millennials never having kids right?

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>>133016025
the only reply thats relevant in this thread

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>>133015914
>falling for the house meme
>not living on a narrowboat

Doesn't surprise me, house cucks

>>133015914
Free accounting services. Or force them to take some budgeting courses.

>>133015914
Pricing has been inflated and availability diminished by boomers and foreign investors buying up all the cheap starter homes and converting them into expensive flip properties or rentals.

The housing situation for millenials is only going to get worse over the next decade.

>>133018187
$40k in 1980 is $125,826.74 adjusted for inflation, and believe me, $170k isn't that bad even for a small home.

>>133015914
By telling foreign investors to fuck off and stop inflating the housing market with their ill-gotten chink money

>>133018732
>Not living on a widebeam

KEK
U
C
K

>>133018564
Except you know... Time is quantized in planck seconds, not centuries. There's an entire continuum of time in between hard times and strong men that many people will have to endure and not survive.

>>133015914
How can we get Millenials to buy homes?

>>133016329 >>133018187
>Lower the price
Lower the price

>>133018489
The plan was contingent on /jp/ never having a girlfriend or even a job.

Size all residential properties bought by non primary residents and/or foreign nationals. Also make residential real estate speculation illegal.

>>133019050
He's also implying no maintenance has been done to it also. In almost 40 years.

>>133015914
I don't want some ugly bread and butter shitbox, I want a luxury home.

>>133019162
>getting stuck in tunnels

wide fags never cease to amaze me with their boats

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>>133019050
170k is bogus for Iowa though. I can pretty much get a brand new house right outside of one of Louisiana's metro areas for that price and Louisiana > Iowa
>>133019559
And this.

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I remember /pol/ had some house threads long ago.
Post some comfy small houses!

>>133019283
Or just discourage them from blowing their money on useless college degrees.

>>133016010

This

>>133019646
https://youtu.be/BIP5Q_svpEM

>>133019864
Well we do need doctors and engineers.

>>133018291
PAY YOUR STUDENT DEBNTS

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>>133016025
this, third post best post

>house prices increase massively
>cost of tuition increases massively
>incomes stagnant for 80% of the population
>student loan debt service retards purchasing power for years
>job security diminishes
>jumping jobs fucks up your credit
>moving frequently fucks up your credit
>can't buy a house without credit (mortgage) or mommy/daddy money

yet boomers still insist on calling millenials lazy for not playing the same silly jewish games they played (except now with a fuckton more interest), despite most boomers not having saved enough for retirement themselves and therefore holding onto their jobs partially due to spending above their means and taking on debt and lifestyles they couldn't really afford without credit

>>133015914
Crash the housing market, with relatively few survivors.

>>133020029
The vast majority of college graduates here are pursuing useless degrees. The only reason they're in college is because "it's just what you do after high school." It's turned into adult daycare.

The worst part is that these idiots graduate after 6 years, can't find a job with their Social Work major, and feel entitled to not pay their loan back.

>>133015914
Keep cities from continually jacking up property taxes through inflated valuations and charging homebuilders "impact fees". Stop that kikery and you are halfway there

>>133019559
There are other things that can raise the value of a home besides maintenance. Amenities such as big box stores and chain restaurants opening in the area, or crime rates rising in surrounding neighborhoods, could have caused the price of the house to go up since the time anon had lived there with his family.

>>133019050
https://en.wikipedia.org/wiki/United_States_Consumer_Price_Index#The_hidden_change_in_prices_of_housing
In 1983 the CPI benchmark was changed to no longer include the cost of real estate purchase.
Also 170k is still 36% beyond the expected rate of inflation.
Also the (((CPI))) represents a basket of consumer goods which include electronics which in case you haven't noticed a computer that cost 8000 dollars in 1980, you would have to pay somebody to take off your hands today. An entry level home desktop computer is easily well under 500 dollars now. And the CPI swaps between products which share the same purpose. So for example, if beef goes up in price, but pork goes down, the CPI will be calculated with pork instead of beef. Many food prices have also changed wildly outside of the CPI inflation rate.
For example in 2002 a dozen eggs cost me 1 dollar. That same dozen eggs now costs me almost 3 dollars. CPI predicts the price should be about 1.31 right now. So fuck you inflation shills who don't understand fuck all about economics.
The economic benchmarks are bullshit designed to put retardedly short-sighted and inaccurate talking points into the mouths of useful fucking idiots like you.

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>>133015914

1 post by this ID.

Average income 1975 (adjusted for inflation 2017): $61,065.

Average income 2017: $34,940.

Minimum wage 1975 (adjusted for inflation 2017): $9.86.

Minimum wage 2017: $7.25.

Sources: >https://www.bls.gov/data/inflation_calculator.htm

>https://www.usatoday.com/story/money/personalfinance/2016/11/24/average-american-household-income/93002252/#

>>133017540
>>133017826
>>133018072
Ackchewally, they're coffin liners.

Tell millennials to stop eating avocado toast for 17 bucks a pop.

>>133020413
>jumping jobs fucks up your credit
>now with a fuckton more interest

You know how I know you're underage?

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>>133015914
>How can we get Millenials to buy homes?

How can we get Millenials to buy dates with girls?
How can we get Millenials to buy electronics?
How can we get Millenials to buy their education?
How can we get Millenials to buy wedding rings?
How can we get Millenials to buy wedding dresses?
How can we get Millenials to buy an expensive wedding?
How can we get Millenials to buy an expensive honeymoon?
How can we get Millenials to buy a car?
How can we get Millenials to buy another car?
How can we get Millenials to buy a trip to the maternity ward?
How can we get Millenials to buy diapers?
How can we get Millenials to buy strollers?
How can we get Millenials to buy cribs?
How can we get Millenials to buy vacations?
How can we get Millenials to buy jewelry?
How can we get Millenials to buy marriage counselors?
How can we get Millenials to buy health insurance?
How can we get Millenials to buy divorce lawyers?
How can we get Millenials to buy happiness?

High interest credit of course!

>>133015914
You would literally have to restructure the entire economy, which won't happen outside of a total collapse, which also equals mass murder and genocide. In other words, it's irreversible and you're fucked.

>>133015914
If the prices go down I will. I have 40k in savings right now but the price of homes is inflated imo. I'm ready and willing to buy.

my mexican millennial co-worker was trying to buy a condo for about a year. he even went under contract a few times but each time something would happen with the loan process, i.e. they would appraise the condo for too much lower than the agreed price or the seller would just back out due to the amount of time it was taking to secure the loan.

he ended up just going back to renting. he rents closer to work, in an area that he couldn't afford to buy in, and rents out the second room on airbnb where he has almost constant demand. i think it ends up supplementing more than half his rent.

>>133020427
look here
>>133016025

College or no college, incomes have flatlined while house prices have more than doubled

Is there any data that suggests the incomes of blue-collar workers or tradesmen has increased 1:1 in line with house prices? Even if you skip college and go straight into trades, you are still going to be taking on a bigger mortgage and paying more interest.Potentially, there may exist a small minority of people who will say "fuck that" and remain in their parents' basements playing video games forever

>>133020849
The solution is very simple. Halt all immigration. Our current domestic population growth is wholly unsustainable as it is. Add in the immigrants and of course you're going to see housing costs rise.

>>133020427
>133020427
then force them to get a useful degree.
Either way, the world will no doubt require their qualifications if a job provider can find a job using them.

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>>133015914
Lower housing prices for christ's sake. That's fucking all. I hear midwest and east coast fags complaining about 100k-250k for a home and laugh. The average dump home in CA is 450k. A fucking shack with a yard the size of a parking space in the ghetto is 450k+. The only people is see with homes are the elderly that have been sitting on their homes for 40+ years.

>>133020849
Or millennials could just move to a smaller but economically stable city where homes are significantly cheaper.

>>133015914
I'm buying one this month. 230k for 1900 square feet.

>>133021155
They've already got an army of useful idiots waiting to stop that from happening.

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>>133019253
I was referring to the third post, not my own pic unrelated image

also pic unrelated

>>133015914
Lower housing prices. Especially for Europe.

Here's how much a shitty 2 bedroom house costs in Ireland.

http://www.sherryfitz.ie/residential/for-sale/72507

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>>133020745
omg millenials are fucking killing literally everything

where are the fucking shekels, goy!?

you know how the old saying goes - there's only so much blood you can draw from a stone. They'll probably move to China or India next

>>133021129
If you consider that the average interest rate on a mortgage in 1980 was 11%, I'd say prices have remained fairly stable.

The real problem is idiots who take jobs in large cities without factoring in the cost of living, then moan when they're paying half their salary towards rent in a 2 bedroom apartment. These are usually the same idiots with useless degrees who moan about how much debt they took on while "living the college experience."

>>133015992
Are you, by chance, retarded?

>>133019854
00o0o looks comfy AF

>>133021446
People didn't typically mortgage 90+% of their homes value back in 1980. Hell, it was pretty normal to be able to save up and buy a home without a mortgage back in those times. Especially since you could net 60k/yr working in a factory back then.You're a fucking retard useful idiot if you believe anything you just said.

>>133015914
The first step is to convince Millennial's to get married, then they will move out of the basement and buy a house.

I'm 26 and just bought my first home. Not everyone is a manchild. I worked since I was 15, I majored in STEM and graduated at 22 and I had done internships. I worked my fucking ass off while you nerds sat inside and played WoW or runescape, smoked weed etc. Its called hard work and getting a degree that is in demand. Now at 26 I drive a car more expensive than your parents while most of you are in your 20's still living at some sucking mommas tit.

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1) Jobs are located on cities

2) Houses/Apartments closer to cities are more expensive due to more demand/ less availability due to population growth

3) There are cheaper Homes further away from the city, however you need to drive back and forth every day, or use public transport

4) You buy a house to fit a family with children

Therefore, since nowadays people have less disposition to have children a small apartment near the city suffices their needs, furthermore they don't like public transport or having to commute every day

===============
SOLUTION
===============

Make commuting less undesirable

Modern shuttle buses with comfortable seats each with their own table, Wifi, maybe snacks, so you can work or enjoy your time commuting instead of sitting down doing nothing, so commuting 30 to 60 minutes a day won't be a drag if you enjoy your ride

High end companies are doing this, you get to travel with people you know and less with random strangers

>>133021199
yeah, and i pay almost 8k in property taxes a year for my 200k home. the homes might be cheaper but then you get fucked with property taxes.

Build new ones with affordable materials.

>>133021446
People made bigger downpayments back then

Also, there was more job security and you didn't need a $20,000 (min) degree like you do now to be considered for even entry level office jobs

>>133021762
I'm a space ship captain and I make 6 gorillion dollars a year. I worked hard for it. You're a NEET by comparison. You should probably go hang yourself now.

>>133015914
Join military. Use post 9/11 GI bill to get a STEM degree. Come out of college with no student debt and all that tax free housing allowance you saved up while living with parents. Use saved housing allowance to buy house. Use degree to get job.

> But military bad

Then become a debt slave and rent your soul to a landlord you filthy degenerate.

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>>133021762
You'll die miserable.

>>133021965
People were trained for high tech jobs at the expense of the employer back then.

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Fix marriage laws. Homes only make sense or are affordable in dual income relationships and most men are smart enough to not want to fall into the marriage trap. A man who gets married and buys a house is almost guaranteed to lose that house when(not if) they get divorced.

>>133021762
i'm sure it's nice to have mommy and daddy get you internships.

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>>133021762
>Ph.D. in Math
>any job I want
>$300k starting

u are liek a little babby

>>133015914
remember when baby boomers could afford a house after working a few months as a plumber or an electrician?

>>133022244
What you said want higher taxes and Communism after all that hard work? lol Shut up faggot before you regret running your mouth about your material possessions.

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>>133022414
there were many things boomers could do that are impossible now

>>133020739
Not him but it does effect it indirectly. Lenders ask how long you have been at your current job and position, and use that in conjunction with your credit to determine borrowing ability.

>>133015914
Lower the fucking price. Your 2 bedroom piece of shit property isn't worth 400k.

>>133021684
They did conventional mortgages, which is 20% down. Calling me names doesn't deflect from my point. High interest rates always drive down the value of homes because they raise the cost for purchasers. We've seen the inverse happen since the fed began giving away loans a few years back.

>>133021424

that pic and muh sides

>>133021841
Except you're looking at it wrong.
>population growth
In a balanced society/good economic situation would lead to more jobs. The problem is that manufacturing jobs have all been outsourced. So only the service sector increases, but that's only half the story as far as increased consumer demand goes. And on top of that service industry is easy to automate. When's the last time you actually dialed a phone and talked to a human to order a pizza? When's the last time you actually wasted an hour going to a department store? You can just order that shit online now and at the amazon depot a single mexican does for 5 dollars an hour what used to take 20 sales associates being paid in commission. and even if you do prefer to go shopping in person you can often look up exactly what aisle the goods you want are in so you aren't derping around a store.
So the population growth isn't creating jobs the way it used to. They should stop importing people and put everybody responsible for or who has ever said anything positive about outsourcing manufacturing in front of a fucking firing squad, but then say
>haha we were just teasing. No easy way out for you assholes.
And then slowly torture them to death in the most agonizing ways possible.

>>133022652
They just average your past two years of job history. Sometimes changing industries is a problem, most of the time it's not, they just don't give you any leeway on your DTI. Changing companies within the same industry is never a problem.

>>133022727
>since the fed began giving away loans a few years back

ya and they just blew another giant fucking bubble, same thing with the stock market, same way they did with the tech bubble and 2005 housing bubble

>let's give away 30 year loans!
>not like there's a crash once every 10 years or anything
>nothing bad will happen

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Make them affordable and not depressing concrete cubes or glass shards.

>>133021762
>drive a car more expensive than your parents
>Living off credit outside your means

>>133023029
You seem upset.

STOP THINKING OF HOUSES AS AN INVESTMENT AND STOP SELLING HOUSES TO SPECULATORS! THIS IS THE ONLY CORRECT ANSWER!

>>133022244

full house!

>>133015914
>Less regulation
>Government selling more land
>get rid of minimum wage

>>133021762
t. Race traitor paying taxes to his oppressors

>>133015914
only one post from Op...

>>133021975
Military enlistment general

>>>/k/34477312

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>>133021762
>no direction in life
>fucked up brain chemistry
>wasted teens
>intense guilt from leeching off single mother
>trying hard to learn to embrace hardship
>future prospects look bleak
If I could do it over I would do so much different

Double property taxes on uninhabited homes every year

>>133015914

>How can we get Millenials to buy homes?

I was just looking at homes back in the US for my return. This is what I've found from my home state of Iowa. You never heard of Iowa because no one lives there.

>All shit built in 1970
>Boomers wanted $300,000+ just because they updated a bathroom in the last 5 years
>3 bedrooms, 3 bathrooms
>Very small yards
>If it was built in the 1990s, it has a 100% chance of being shit quality
>Simply retarded designs that wastes so much space (two living rooms, tiny kitchen, two dinning rooms)
>Electric Stove/Ovens

I'm looking in to 200k-300k range and all I find is fucking garbage. Fuck baby boomers. They paid $5000 for the same house back in the 1970s.

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>>133015914
>How do you convince people to take on debt they don't need or want?
Younger people who are waiting longer to have kids simply don't need the space, luxury, or the debt required to own a home...even if they can afford it.

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I don't get it. Just one year with parents on the rice and water diet and you can buy a house with an average salary. If you like avocado sandwiches starbucks and gadgets you never get a house.

>>133018732
>Implying anyone on 4chan wants to live without gigabit broadband

>>133024431
I can't tell if you're being facetious. If not, fuck you.

>>133024431

gr8 b8

>>133016254
Man that's nice. Your life is so much better than mine
>$775 rent
> $36 in checking
I am in Chicago though.

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>>133024431

Just waiting for the bubble to bust, but this one will be much bigger. You see investment banks have sunk quite a bit into the housing market yet again. They buy up a ton of houses with cash, and sit on them for a long time. Slowly releasing a few into the market at a time to keep the inventory low, and prices high. Once people say "fuck this shit" the banks will be stuck holding the bag and beg daddy Trump for a bailout. This crash will happen within the next two years and it will be epic. Anyone who buys now is a retard.

>>133024431
>make 30k a year
>buys a third of a small house in my area before taxes

>>133024874
Hopefully I can put a bit more away in savings before then. I don't make much, but I have more then my friend did when he bought his house. Should be fine.

>>133024604
that's actually pretty low for chimpcago. where do you rent?

>>133024874
the problem is that the areas where prices have surpassed the pre-2008 crash prices are the areas where chinks are dumping money into real estate, and they buy with cash.

Where I live homes are about $80000, rent is $10,000 a year. Makes no sense not to own

>>133024874
It will be 3-5 years until I can seriously consider buying a home. Hope you're right about this.

>>133025359

>China
Foreigners shouldn't be allowed to own real estate in the US, if we can't own property in their country.

>>133015914

Actually make it worth our time to start families.

Houses are not just investments. They're homes. They're meant to be more than something to turn over.

>>133015914
developers need to stop building low-cost low quality houses on 1500 acres first.

>>133022727
>plz dont call me names
Tumblr is that way faggot.
I'm not arguing that easy-mortgage inc is a good thing. And I agree that it's in large part responsible for hyper-inflated home values.
But let's go back to this example
>>133018187
In 1980 the median personal income in the US was 21,000 a year. The 40,000 dollar house was less than 2 times a person's income. So the minimum 20% downpayment was 8000 dollars. (and it was 38% of the person's income)
Fast forward to today, the house is 170k. The median personal income is 30k. If they wanted to go conventional mortgage they would require a downpayment of 34,000 dollars. Or 113% of their annual income. So they can go for their shitty insured mortgage. 8500 dollars for a 5% down payment. Which is "only 28%" of their annual income. Great deal right?

Now let's get that mortgage.
Mr. 1980: ammortizing 32,000 dollars over 25 years we'll say at 11% Monthly payment 308 dollars. vs Monthly income of 1750. (17.6%) Total interest paid: 60,000)

Mr. 2017: 3.2% seems like as low as you can get in Iowa as far as I can find on a reasonably termed fixed mortgage.
He's amortizing 161,500 bucks. His monthly payment is 780 a month. Or 31% his monthly income of 2500 dollars. Total interest paid 72,000.

So there's obviously ups and downs to the current model. Adjusted to inflation the Jew makes less money off each mortgage. But people's household income is more strained than ever before. That's less money available to be spent in other parts of the economy because of the real estate bubble. Literally the only people who it is better for now are:
A. People who acquired and paid off the property before the housing bubble.
And B. The mortgage Jews.
The reduction in disposable income has a depressing effect everywhere else in the economy.

And if you take the numbers as they are... Mr 1980 pays 3 times his annual income in interest. Mr 2017 pays "only 2.4" (But the interest rate is a quarter of what it was before).

>>133015914

the problem is they cannot afford homes. too expensive for their ridiculously low pay, zero job stability for long term payments. Rent so high youll never have much in savings.

Who needs it anyway when the feels from knowing they sacrificed your american dream so that some shit in a 3rd world country can have a marginally better life are so good.

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>>133015914
By giving them a living wage, you dumbasses.

When will people stop asking these "why aren't millenials doing *insert something that costs money here*?" and recognize the obvious?

>Millennials earn 20% less than Boomers did at same stage of life

https://www.usatoday.com/story/money/2017/01/13/millennials-falling-behind-boomer-parents/96530338/

>>133025759
>being this autistic

You probably wrote more than I did on finance paper on private sectors. What the fuck is wrong with you?

>>133025598
if that were the case then prices wouldn't have gone up as much as they have. chinks are buying out downtown chicago, forcing people into worse/cheaper areas, which in turn drives up the prices in those areas, and once those areas are gentrified enough chinks start buying them out, too.

>>133025948
on my finance*

>>133015914
When tuition is rising at 6x the rate of inflation and most jobs are part-time, it becomes difficult to save ~50k for a down payment.

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>>133025661
bad goy

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>>133025948
>actually working out numbers into a real world scenario instead of spouting ignorant shit without the slightest understanding of what you are saying is autism.

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>>133026072

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>>133020029
>>133020427
>Become a engineer or a doctor
Have you heard about supply and demand? There is almost no job growth in engineering. Its fucking dead, this is happening almost everywhere in 1st world thanks to outsourcing

Thanks to you fucks and gov/companies lobbying we already have too many engineers in the world. Its driving our salaries down also.

There has been almost no salary growth in engineering thanks to propaganda about STEM shortage. Outsourcing us didnt work well as they hoped so now theyre trying to flood the market.
Thanks to you fucks its working, only thing keeping wages afloat are teens being retarded and taking the easy way in school. Thank god

STEM is full, fuck you

>>133025953

The Ghetto trash of Chicago has been invading Iowa for a good 8 years now, I am well aware. The leftists welcome the diversity, meanwhile the crime in Iowa has gone through the fucking roof.

>>133015914
Well for starters, stop burying them in Student loan debt.

>>133020029
Isn't that why we have refugees?

>>133026280
I forgot to add, this thing couldn't make its costs back. It wasn't until they refurbished it that it started making money.

My point is, even if you can afford it, most houses arent worth the asking price because theyre depressing pieces of shit.

>>133025933
they earn less and have more debt.

>>133015914
Invest in ProShares UltraShort Real Estate (SRS).

Currently $32.31 and seems to have come off support.

NOV 1, 2008 it was $6742.72

If it is true Millennials and Gen Z cannot afford homes then there is a very high chance that 2000%+ return will happen sooner than later.

>>133026316
>ob growth in engineering. Its fucking dead, this is happening almost everywhere in 1st world thanks to outsourcing

This, i know 6+ engineering graduates that are unemployed... and read a post once where this German engineer made more money as a construction worker in Australia.

Gotta love the STEM propaganda though, because I sure fell for it, the media SCREAMS about a non-existent shortage.

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ban avocados

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>>133026192
>going this hard on a bootleg japanese anime porn site that has never once made a worldy contribution besides leaking nudes and being known as racist.

>>133015914
Already bought one in 2015
It's increased in value by 100k in 2 years

>>133027622
I would rather he continue posting since he actually made a useful contribution to the thread.

>>133015914
Lower the cost of living across the board so that folks can afford basic necessities and homes.

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Not gone pay 150K too several gazillion for a home. Renting for the next 30 years would cost me 140K all inc. I know what I chose.

Keep your million dollar cuck sheds and die in it while your cats and dogs eat you and your children find your bones on christmas eve

>>133028409
Which room are you staying in? 215?

>>133025759
I applaud your autism, but the median household income in 2015 was $57,000, not $30000.

>>133028409
>rent won't increase in the next 30 years

You also won't have built up any equity.

What the fuck is the purpose of buying a home in 2017 Canada? I can invest in Bitcoin or rare earth metals for a safe, long-term investment and can live in a nice apartment for less than $900 which can only increase at most by 1.5% per year. Once I have children, purchasing property may be more attractive but until then, fuck off.

>>133028863
Who gives 2 flying fucks if you've got millions in savings by the time you retire.

>muh equity

>>133018187
Same story, same state. I was looking to move back to my hometown and buy a house, start raising a family. Out of nostalgia I looked up our old house and found it for sale. It's selling for nearly twice what my parents sold it for in the late 80s (after inflation) and all the owners have done since then is remodel the bathroom and change replace the chainlink fence with a wood one. There's been no other updating of any kind.

>>133028863
Austria. My rent can only decline for the next 15 years. Communist legal system be praised
>>133028645
Don't mistake Canadian Monopoly Money for a semi strong currency like the Euro. Flat has 115 sqm which is enough for two people. If the third comes, it goes to the country renting even cheaper and AirBnB the flat to wealthy chinese tourists

>>133028409
In cucknada people regularly get evicted without notice. There's a huge shortage for rental suites because foreigners are buying them up and leaving them vacant or having them for family hovels.
The trend is spreading beyond hongcouver too.

>>133029084
What?

>>133015914
>How can we get Millenials to buy homes?

Exterminate the libs, this will cause a housing crashing making housing affordable again.

>>133016025
Poland knows whats up.

>>133029084
>millions in savings
>paying tens of thousands of dollars a year to live in someone else's property and getting absolutely none of that investment back when you move out
Pick one.

>>133026316
>>133027240
The "STEM shortage" is something companies made up so they can get a bunch of H1-Bs they can pay whatever they want.

I'm a millennial and I just bought a house.

AMA

>>133029084
Or invest in weapons and make in the current environment agood 100% ROI by fliping them. Can you imagine a shitty chinese .22 goes over the table for 700 bucks.
>>133029362
They cant throw us out so easily, sued the land lord for letting me pay a legally too high rent and have gotten a golden deal, so he doesn't go banckrupt on the process. My rent can only decline. Home buyers, if they plan on investing, renting or living in it for the next 30 too 40 years. Kek, literally

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>>133015914
kill... all.... jews? And return the market prices back to normal? Who wants to spend half a million dollars on a shithole in the ghetto? Not me.

>>133019864
What money? You mean the money they BORROW, not the money they "have"? These fuckers get themselves in a giant hole right out of the starting gate. It's mot like most of them have much money to begin with.

>>133019864
Why bother? Just allow student loans to be defaultable and watch the system fix itself.

>>133022558
To be honest at least where I live in finding a job is totally up to you. Only thing you have to do is just make a lot of calls to your possible employers and seem enthusiastic.

Most people don't get a job here because they think they deserve 2x average wage and other people have to check on them not the other way around.

I like to think that working my way up in WoW from noob to guild master has helped me in irl. It may sound stupid as fuck but I feel like it actually made me understand real world a little bit better. Haven't played this shit game for years now though.

>>133022668
It is worth exactly as much as someone is willing to spend.

>>133021240
Doing what jobs?

ITT: Poorfags and Jews

150k can buy you ~400m2 of land WITHOUT HOUSE in my alpine valley, but yeah, u so poor amerifats

>>133030465
Or you know, they could make their own companies thus creating jobs. Oh wait, they can't because they like shit handed to them.

>>133027905
I love you.

>>133030475
>400m2
>150k

if its EUR or USD it's a fucking rip off lmao.

>>133028717
Median personal income.
>personal
>median
>personal
>personal
>not household
>personal

>>133016254
My wife and I live outside the city in a small town. Commuting can be tiresome, but the cost of living is insanely lower than the city (cost of house, taxes, not worrying about crime). If there's a small town or community outside the city where you work, see if that's an option.

>>133030958
>buying a home by yourself

u wot?

>>133016254
You will never regret it.

>>133023068
how do you know he didnt pay cash for it

>>133030475
150k USD bought me an updated home on a half acre of land with woods I can hunt in my backyard in the beautiful state of PA

Same way you fix all of America's problems.

Repeal the 19th
Remove all niggers, jews, and illegals
Cut off unskilled immigration completely
Audit the fed
Eat the rich
Heavily tariff non american products
Invest in agriculture
Copy japan's school system, get rid of common core, start leaving children behind

>>133015914
Wait until your parents die and get it for free.
Fucking dumb cunt.

>>133031307
B ut that would take literally ages and I want to start my own family.

>>133031153
The math is still relevant using household income anyways. In fact even more relevant to housing being less affordable because household income is less than 2x personal income. (due to women failing at work).

>>133030322
>spend

You mean borrow.

>>133031212
Gibe greencard pls

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>>133015914
Honestly, just address the nihilism as a fallacy. Jordan Peterson did this for me a few weeks ago and now I'm working my ass off and actually thinking about buying a home.

IT'S NOT IMPOSSIBLE. IT'S PRETTY SIMPLE MATH FOLKS.

Just hold a job for several years. /formula

>>133031573
Shit. I quess people really are desperate/stupid.

>>133031815
It's not impossible, but harder than it used to.

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>>133031590
Service guarantees citizenship.

>>133015914
why would they waste money in shity house when they have to move a lot because jobs wont keep them?

Why waste money to idiots who bought all the houses cheep in past and make them rich now?


Its better to rent when your young save money up and build a new fresh house later when your old.

>>133031870
One way to fix housing price is to ban mortgage all together.

>>133030631
Oh sure. Doing a startup company that turns a profit is easy in this economy, right?

>>133031492
I don't understand your argument. Using the traditional DTI of 28%, a household making 58k a year can still comfortably afford a home worth 200k. Housing costs more and wages are flat, sure, but the housing costs are fixed. The option is: are you paying down the mortgage for your landlord or are you paying down your mortgage.

>>133032252
This would only work if the market wasn't already fucked. Civilization pretty much has to collapse at this point for any appreciable change.

>>133021199
Move out of fagafornia then dumbass

>>133032365
Not sure if they have this in Canada, but https://www.amazon.com/Amazon-Home-Services/b?ie=UTF8&node=10192820011

>>133030475
>150k can buy you ~400m2 of land WITHOUT HOUSE in my alpine valley, but yeah, u so poor amerifats
$150K will buy me 55 acres (222,600 m2) of pristine hunting and farmland in Iowa... the problem is it would probably cost me three times that to build a modest house on the property and I'd probably be paying five figures in property taxes.

>>133032416
>Civilization pretty much has to collapse

Just wait 76 more days.

>>133032400
The point is that just to have a home you have to give up more than you did before. You have less disposable income. You are getting screwed.
You are essentially arguing
>Sure, there's some big Jew riding around with his dick in your ass 24/7 these days, but it's still possible to adjust and live a perfectly comfortable lives so we should just stay the course because nothing is wrong and everybody can be happy amirite
Literally kys you useful idiot.

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>>133015914
Something something gas the kikes.

>>133015992
>Raise the minimum wage.
FPBP.

I hope they keep minimum wage right where it is. These lazy fucks are overpaid as it is...I hope they stay right where they belong in society. RIGHT AT THE BOTTOM. When I need my shoes cleaned, gas put in my car or my hands dried after using a restroom, I want to feel good knowing that I am supporting someone with mental illness directly.

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>>133022860
Yup. Mortgage officer here. There isn't a single guideline about frequency of moving, and credit reports don't use mortgage or job history at all.

You need 2 year address history with satisfactory mortgage or rent payments, and 2 years work history in the same industry.

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>>133015914
Stop immigration, and let the population decline thus lowering the cost of property. Where I live in Fairmont WV homeownership is easy and cheap because alot of the old people here are dying off and few young people want to move here.

>>133032661
>you are getting screwed

How am I getting screwed? I'm buying VA foreclosures for $40-60k all year round.

>you have less disposable income

Homes are substantially larger than they were in 1980, and negro/spic infestations have ruined the tradition starter home areas.

There are serious economic flaws with our current system, but it's absurd to blame them on home prices.

>>133033119
>2.2k

What the fuck is that? A tool shed?

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>>133031270
Spot on. However the only way I think we can get all of that done is if we let the Japs invade us and show us the way. I for one welcome our new Jap overlords.

>>133031270
underrated

>>133028409
In the real world, rent goes up every year. In the real world, locking in a rate that stays lower and doesn't inflate is better. We don't all live in Austria.

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>>133032016
I don't agree with that anymore.

Without a formal education, I can make $100k in a year; pay $30k of that in bills that year; and buy a $70k house EVERY SINGLE YEAR.

I just have to work a solid 40-50 hours a week.

I just fell for the "Baby boomers fucking ruined everything" liberal marketing shit, so I stopped playing "the game".

Now I'm in my early 30's, have never developed a proper work ethic, live in my dad's basement, and I'm in tens of thousands of debt w/o going to college.

KILL THIS FUCKING "It's hard!" meme before more people fall for it and end up here circlejerking with you autists all night, every night!!!

Trump is president now! It's time to grow up boys!

>>133033333
Checked, and it's a small lot.

>>133027622
why come here then?

>>133015914
Stop letting non-US citizen buy all the property.

>>133020469
This as well. Don't forget as homes get more expensive states and cities have jacked property taxes to the fucking moon.

>>133034090
>We don't all live in Austria.
Very good. Stay out, we are full, except for winter tourism. Come around, get drunk, pay our rent for four months staying in our comfy homes and fuck off again

Lower the prices.

>>133021424
>Are Millennials Killing Credit?
>Top Rated High Risk Merchant

Hmmmm

>>133015914
>debt based economy

Fuck off kike

>>133015914
>wanting to perpetuate the cannibalistic housing market
Boomer alert. The only people who support that system are those that are currently heavily invested in it.

If I can build my own fucking house for less than the sale price for a 120 year old semi-renovated trash heap or a cookie-cutter cardboard suburbia hellhole, then why in the fuck would I ever buy one?

>>133032365
I wasn't talking about some stupid startup shit. Starting a proper business and providing goods or services for other people isn't hard as long as you have some marketable skills.

>>133032593
What's in 76 days?

>>133035983
T. Retard

Are you going to buy a 100k or even 50k home in cash and destroy your savings and leave you vulnerable to emergencies?

>>133015914

HOW?! DIE YOU FUCKING BOOMERS! DIE YOU FAGGOTS! Then we'll move into those house free of charge!

BTW you fucking BOOMER faggots, you will get no burial, you will get no memorials, none of your photos/videos will be saved and your names will be forgotten within 10 years of your death!

FUCK YOU FUCKING BOOMERS!

>>133036789
The house would drop to 10k if we ban mortgage on a 100k house.

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>>133036669

>>133016800
Ah I miss old school conspiratube

>>133020745
>High interest credit of course!

>Take out a loan at 18 for $100,000 or more with no job.

Let me apply for a $100,000 credit card with no job or credit history.
>Nope.
And it would be stupid as shit on my part.
Of course the interest is high. Its high risk.

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>>133021424
This actually makes me fucking rage as someone who was born in 92 and owns a car, golf clubs, buys paper napkins, and has a wife. Holy fuck. Real talk I'll never take credit unless it's for a house though, which I'll eventually go for. Fuck the juden.

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Already have a house.
90% paid for.
It's called hard work & sacrifice.
Not rocket science.

>>133037638
How old are you and where you live?

>>133018732
used to know a guy that lived on one, it's actually pretty comfy

>>133037099
Sweet, I'm a virgo so I guess that'll be my time to shine. I will spend my newfound millennial riches on some sort of shelter that isn't a house.

>>133037495
How much does your car cost relative to your annual income?

>>133015914
Convince them to leave dense urban areas.

Does anyone else think property taxes are a scam? That shit is based on square footage of the home and not the lot that the home sits on. Somehow, making more efficient use of the same piece of land entitles the government to more money.

>>133024604
>775
Wew lad, how much do you make a month?

millenials can't save money because they are too busy eating out.
>this is a fact
millenials can't afford houses because they dont know how to save money.
>this is a fact
millenials will always be slaves to rent until they reach their mid 40s they've fucked up so much.

>>133038875
They aren't calculated very effectively. I know that my city doesn't even do individual valuations. They randomly pick a certain percentage of the homes in an area, calculate their value per square foot, average them up, and apply that multipler to every home. This creates scenarios where the tax value of a home is 2-3x what the market value is.

These sneaky bastards raised rates a few years back, but it was an election year, so they reduced property values for a few years to offset the rate increase, only to restore the valuations after the election was over.

City taxes are even worse. On one of my rentals, I pay more in property taxes than I do on the mortgage.

>>133037738
>reddit flag
14 and in the half finished basement, of course.

>>133038875
Can't you opt out from it if you make little money?

I know you can here if you prove that you can't pay.

>>133018072
That seems too good to be true, FEMA will be releasing that epidemic and then pretending to fix it.

>>133016800
Perfect

It'd help not having to spend a long ass time saving up for a down payment for just a decent house (50k house in Michigan isn't too bad depending on location)

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Millennials are disgustingly lazy and should be sent directly to the street to live with PoC so they can correct their privilege.

All you do is hear them bitch about the privilege I've earned breaking my fucking back for decades. Eat shit millenials! Keep chewing!

>>133016025
/thread

Fuck that.

I'm perfectly content to spend another few years being an irresponsible cuck.

I earn between $2,000 and $4,000 per month from writing legal analyses and creating advertising and recruitment campaign content for small businesses. I can work from anywhere in the world while pursuing other endeavors, like teaching or taking master's degree courses online.

I've enjoyed living an upper-middle-class lifestyle in Latin America as well as South Asia and have no plans to change until I'm accepted into a decent PhD program with opportunities for research overseas.

The house - along with a humdrum 9-5 life of wagecuckery, a la my ex-girlfriend - can wait.

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>tfw 23
>tfw going to get a 15yr loan and retire when im 50

>>133037495
Reeee I'm a retard and can't compete!

>>133017540
they bought them after Katrina. They're called 'Dead Nigger Storage's

Bunch of whiny faggots. All the millennials I know are stupid morons with their money. Poor work ethic. Expect everything to be given to them. Thank God for some of the Chinamen immigrants because white and black millennials are pathetic.

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>>133041088

>>133041088
>tfw 23
>80k in debt
>Earn 50k a year living in Jew York

I'm not going to make it senpai.

>>133015914
remove jewish loans.

>>133015914
Rebrand trailer parks as hipster tiny home communities. Anyone with even a part time minimum wage burger flipping job could easily afford a trailer and fill it up with Millennial-approved shitty IKEA furniture.

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>>133016025
So what happened in 2000 that changed everything?
Fucking Bush was elected and then immigration laws were no longer enforced and the unlimited supply of cheap labor insured wages would no longer rise.

>>133041602
it's ok m8 you probably have higher earning potential than me, I'll have to work mad OT to make 100k/yr and prob wont be at that pay grade until im 30

gonna be making prob 45k this year once I get more experience in my new job I'll be making more

>>133041794
also
>tfw no student loan debt

>>133039507
Facts don't matter. Good stories do. Haven't you learned from vFNN

>>133015914

>Millennials
>Saving more than $250.00 at any time before they're 50

This is some funny shit you're proposing, OP, you may want to rethink who you're talking about, since Millennials blow their cash on stupid shit and then wonder why they're always fucking broke.

No wonder they were the only demographic to think Bernie was a viable candidate.

>Why aren't you buying a house?

I did, but I understand why many aren't. The answer is simple.

Democrats fucked everyone up.

Bill Clinton and Jimmy Carter joined forces to make it easier for every shitskin to afford the 'American Dream' by basically forcing every bank to approve their loans. Banks, in turn, offered them shit rates to turn around and resell the houses they knew they were going to foreclose on. Houses became hot fucking property and fucking exploded in price in a very short amount of time.

Instead of saying 'Hey, this is bullshit. I shouldn't have to pay this much property tax!' boomers instead said 'Fuck yeah, now I can borrow stupid amounts of cash for something I have very, very little invested in.' and used their homes as credit to buy stupid shit and went into fucking stupid amounts of debt.

The housing market 'collapsed' as it should have, but even then it didn't actually collapse to the level it was supposed to have. It fucked over the recycle scheme banks were doing and it bit them in the ass (like it should have, but the government bailed them out when non-predatory banks were doing fine).

A house went from costing $20,000 to costing $350,000 and collapsed down to $260,000 and people acted like it was then end of the god damned world when the same house should reasonably be $30,000 if it is immaculate condition.

Wages, meanwhile, haven't gone up to reflect the weaker dollar and most younger citizens are deeply in debt because of 'quasi-mandatory' college for a lot of professions that simply do not require a college degree but demand anyway.

So, people CAN'T buy houses because the dollar is weaker, jobs don't pay like they should ACROSS THE BOARD not just minimum wage, and houses still haven't been knocked down in value to the level they are supposed to be at.

It's a big ol' clusterfuck, really. The best advice I can give the younger generation is, don't waste money on college. Apprentice for a trade if you can instead.

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>>133037738
46 and I live in silicon valley where my 'modest' 3 bedroom/2 bath home will sell for around 800K today.
Going to cash out and leave the state when I retire.

>>133015992
An accelerationist, I like it.

Let's collapse everything faster.

>>133017430
US homes have been barbones materials for over a decade

>>133016254
what do you make a year?

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>>133041088
stay jealous

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>>133042477
>>133041088

>>133041794
Potential is an odd thing.

I have a disposal income of about 200 dollars a month.

>>133031307
My parents' house is in Niggertown in The Nigger State.
Close enough to the airport for you now dad??

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>>133042600
>>133042477
>>133041088

>>133026316
it depends on the "level" you guy for. Software development (i.e. bitch work) will obviously be outsourced to pajeets, but high level systems engineering/architecture generally stays in-house, though there is a shortage of grads with sufficient intellect and work ethic.

>>133015914
I think if banks had lower interest rates it would be possible. That or just a change in spending habits.

For example, a lot of people always seem to want to get the latest model phone so thats like $1300 spent each year. I've kept my phone since 2012, so that's an estimated $6500 I have saved by keeping it since I bought it (wiht a $1300 cost per new phone which is pretty much right in Australia).

If you're trying to save money, then over 5 years that extra 6500 would turn out to be a lot. On top of that cutting out say a $5 coffee per week day if you have one at teh start of each work day would be $1300 a year saved, so over 5 years that again would be another $6500 saved, so that would be a total of $13000 in savings over 3 years.
If you have a high interest savings account then you'll get a bit of interest off that as it builds, but probably miniscule.. would be waaay better off dumping it in some shares though it's a bit of a gamble

i don't know anything though.. i'm pretty blazed right now
i just know it's pretty fucked trying to save for a house these days, but I've been pretty stringy with my money and I have pretty good savings now. I could almost outright buy a house with a loan in the near future, but I'm starting to think that I would be better off renting longer and using all my money in the sharemarket to accumulate even more money.

>>133037099
Christ, I can only hope so. Time to dig up all of those backyard guns I bought instead of making payments on my loans. Take that Shylock!

>>133016254
Drop $10k on shares and in a year you'll have more than $10k coming back

war stocks will be a definite winner

Contraction in the workforce of high paying jobs. Corporate and retail lay offs. Not to mention the very few manufacturing jobs left.

>>133015914
Give me a good paying job in one place that will last as long as a mortgage. Lol 30 year job in one place lol.

>>133016629
>unironically supporting cuck shed communities

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>>133015914
I am a millennial. I am in my early thirties. Politically I test Authoritarian Right 50% of the time, and Libertarian Centrist 50% of the time, depending on the test I'm taking. I am also disabled due to developmental problems I was born with due to bad choices my boomer parents made - they were both alcoholics, chain smokers and my mother was a meth head at one point - as well as epigenetic - both sides have a long history of both military service and routine child abuse, thus instilling upon me an innate ability to disassociate - and psychological - my father, mother, grandfather, grandmother and brother took their turns in abusing me as well as eachother. I would love to buy a home or build my own but regrettably until I am able to work through my problems and become able to sustain myself I am reliant upon socialist programs the United States provides, which brings me displeasure as I have a great hatred for socialists. Until then, I rent. I'm sorry about that.

>>133015914
Why would I want a home when I can buy an RV for 1/10th the cost and move wherever I want whenever I want?

give those kiddos massive loans

>>133015914
stop inflation and promote middle class savings

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>>133015914
>Be the first generation who will be worse off than their parents
>be first generation to have to compete with digital automation
>be first generation who will find themselves minorites in their own homelands
>Facing inflated housing prices and stagnating wages
>Have no prospects of receiving any pensions
>Wonder why we don't spend money

>>133018187
They can't lower the price, if they lower the price, then the state can't tax the homes for as much money, which means that the public schools won't get so much money.

>>133017430
Building homes would be the ideal option, but the price of land is the problem

>>133024431
holy shit, it's kinda crazy to think how cheap these are

are these areas really bad?
makes me think that i could save over a few more years then buy a cheap house in the US and retire LMAO

>>133042477
You do know they'll confiscate 401k in a few decades?

>>133043830
>Detroit

It's 70% niggers. Those houses almost all have liens on them for back taxes and utilities as well.

>>133020029
Lol doctors and engineers weren't included in 'useless degrees'

More like liberal arts, womens studies, african american studies, etc.

>>133042477
$3 million won't be much money when you're at the age of retirement, take a look at how things are currently already going with the increase of living etc.

>>133015914

Well. First they have to get off their lazy asses and get a damn job.

>>133015914
I'm buying one, so...

>>133015914
18252 Per annum is my rent 350 per week $50 a day. The cost of my house to buy is 1.3million. LMAO no way am i buying this old welfare house

>>133044189
how much are houses typically in nice areas? and based on whatever estimate you give me, what kind of rent would people pay on a house on that said value over there?

just curious

>>133044618
I only invest in my city, which isn't a normal market at all. It's almost all military flags who get a stipend for rent. A good deal for me is buying a house for 60k and renting it out for $900. I've got a house I bought and fixed up for 40k total and rent for $850, but 60k and $900 is my average.

>>133044542
if you had a home loan and paid it off with the interest only though then you could live in a place of that value for slightly less most likely

i haven't worked it out for a house of that value.. but i have worked it out for ones where I'm living atm

I'm paying 365 a week in rent and I worked out the interest only repayments on a home loan in a house in my area would be around $20-50 cheaper per week or something from memory.. can't remember the exact numbers sorry :^)

So in a way you could look at that as a cheaper method of paying "rent" when really its like paying off your house over time & i guess you have no inspections and can do what you want with it

I personally think it's better to accumulate money & put it into investments to get more return from it until you're' able to outright buy a place with no loan, but that's just me. I don't like the thought of debt.

Ban foreigners and nonresidents from purchasing real estate

>>133015914
because I work in downtown LA and my only options are South Central, East LA, and Koreatown. anything else is too far and/or too expensive

>>133031008
>no worry about crime
how so?
I asume that most criminals and burglars wouldn't mind going innawoods if they see your house.

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we're screwed ://

>>133044872
is that a monthly rent figure?
what the hell, 60k is so cheap

>>133045344
>because I work in downtown LA

Choosing to be vaporized when WW3 starts.

A house is the least of your worries.

>>133015914
Make them affordable.

>>133045587
>if they see your house

There's a reason most crimes are confined to the poor areas, property crimes are crimes of opportunity. Very few criminals drive around looking for random houses to rob.

>>133015914
Get them off pot, teach them morals and financial skills, and let Trump fix the economy.

>>133045639
Yeah, it's $900 a month. $30 more for pets. I buy foreclosures that need a little bit of work. I can get away with putting new floors, new paint, and new appliances in for 8-10k and my average purchasing price is $50k.

My market is very odd though. During the summer, the houses I typically buy for 50k are selling for 90k because of the demand from military families moving in. After September, the prices plummet again and I come in with cash.

>>133042477
>expecting to collect social security
tip top kek

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>>133016539
why dont u just get a job!
t. boomer that hasnt been on a job hunt since the reagan administration

>>133045710
i'd move out but i work in construction and everything here is getting torn down and replaced with a high-rise. i dont know if there's gonna be that much work anywhere else

>>133029824
the perfect scheme
Hire low wage immigrants
justify it by saying there is a need in X field
jack up the cost of college and rake in those shekels!

>>133015914
>perpetuating mortgage jew
ISHYGDDT

>>133043897
better to have tried and failed than guarantee failure. think something like pascals wager.

>>133044446
no shit sherlock the goal is to maintain my lifestyle, i'm not just going to cash out 3mil if I have that and think I'm rich

also, my goal income is $8k a month and I'm estimated to be at $22k a month so lmao

>>133046234
>being butthurt you live in your mammy's basement

>>133015914
Ban foreign property squatters. Rich people from China, India, etc. buy shitloads of property in cash in the US. They do this to hide their funds from their governments. It's driving housing through the fucking roof in the Bay Area.

>>133030159
They come to finland to work as plumbers
So they collect finnish salary while paying for Estonian costs of living

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Yea and with our housing market - Aussie Millennials BTFO to gook investors