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Congrats to all 2024 college graduates!
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You are now entering your spicy years. 🌶️
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this post was submitted on 14 May 2024
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The answer is qualifying for a mortgage is not as simple as you might think. Even if you do, good luck squaring that with prices that will almost certainly leave you "holding the bag" because none of it is sustainable ore makes sense. Wrap that into the best choice when you might get laid off at any second is not always a mortgage...
That last point seems like it's a great point for what rentals but I'll save you some time: for the vast majority of jobs thats strictly because of people enforcing office mandates unnecessarily because something like 1/3rd of assets in the USA are in commercial realestate.
My point being: the deck is stacked. There is not an actual housing shortage, there's just a housing shortage for human beings. An entire generation has gotten boxed out of the most classic way to build wealth.
I've got a mortgage, so I know the ins and outs.
Yes, the deck is stacked against us. My point is that it's overall a better deal financially to own than to rent.
I'm not attacking you for something that worked for you, but trying to offer perspective.
Do you know that medical debt doesn't show up on your credit score but does show up on a mortgage?
But more important: imagine you're a nurse living paycheck to paycheck in a major metro. You'll never be able to own where you live.
OK, so move to demoines, we'll, if they all do that the realestate prices collapse, and it's in such a situation that the 401ks for people in demoines nose dive... That's where we're at.