The U.S. Housing Shortage Explained & How To Fix It

[@michaelwiebeck3]

The U.S. economy relies on ongoing credit and debt generation for sustenance. The Federal Reserve is expected to increase the money supply, leading to further debt accumulation for the average American. This situation raises concerns about who will ultimately bear the consequences of these economic dynamics.

[@Rachadrian]

Since the debt crisis could unleash carnage on the stock market leading to economic downturns. We need to be prepared for potential market volatility. how can I secure my $600K stock portfolio against declining?

[@Olsontim21]

Concentrate on two main objectives. First, keep yourself safe by knowing when to sell stocks in order to limit losses and maximize gains. Second, get ready to benefit from market changes. I advise consulting a coach or other professional for advice.

[@Derekhoffman312]

I talk a lot about how important it is to have an advisor.This kept me afloat and increased my $450,000 portfolio by 48% in just 4 months.They have strategies that are tailored to your long-term goals and your desired financial situation.

[@CindyValenti]

@@Derekhoffman312 Mind if I ask you to recommend how to reach this particular coach you using their service?

[@Derekhoffman312]

Annette Christine Conte is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@AshleyKeith-vw7ws]

The problem is that most of these new buildings are in HOAs.

[@EricaWaters-lr6zw]

People’s retirement savings are now being funneled into inflating home prices for investment purposes. This wasn’t something that happened back in the 1970s. It feels like these funds are being weaponized against the public.

[@HarlowReign-r7r]

America is the epitome of greed.

[@ChloeCarter-kd7gz]

I’ve been wondering, will things improve at all after the deportations?

[@LeahLewis-ny9iu]

I’ve been wondering, will things improve at all after the deportations?

[@WhitneyRoss-dj4rf]

In difficult market times, it’s not just about errors; it’s often the absence of the right knowledge to succeed. Individuals who have endured past economic downturns, like the 2008 crisis, are in the best position to spot major opportunities for growth.

[@tatianastarcic]

Don't have a job = can't afford housing. Have a job = can't afford housing. So why have a job?

[@TinaJames222]

I’m closing in on my retirement and I’d like to move from Regina to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways?

[@nicolasbenson009]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K.

[@sharonwinson-m8g]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation.

[@nicolasbenson009]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@Vincent-j8u]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing.. I will write her an e-mail shortly.

[@tonysilke]

It is difficult to make exact projections for the housing market as it is still unclear how quickly or to what degree the Federal Reserve will reduce inflation and borrowing costs without having a substantial negative impact on demand from consumers for anything from houses to cars.

[@Nernst96]

If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone wants to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.

[@PatrickLloyd-]

You're not doing anything wrong; you simply lack the expertise necessary to make money in a bad market. In these difficult circumstances, only really skilled experts who witnessed the 2008 financial crisis can expect to generate a large wage.

[@PhilipDunk]

this sounds considerable! think you know any advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@PatrickLloyd-]

Finding financial advisors like Sophie Lynn Carrabus who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@PhilipDunk]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@Truthhurts0912]

And all the new builds are in HOAs.

[@Jrome3]

@@Truthhurts0912 , little nazi camps with their own "rules". 🙄

[@evanlabonte4571]

As a genzr I will never own a home in an HOA. Part of the reason I left Maryland for Minnesota. All non HOA single family homes in Maryland that are in good areas were already 1 million +

[@justing6594]

I live in Maryland and don't have HOA. Sparrows Point to be exact. You just gotta stay outta developments.

[@RussoConcerned]

Criminal illegal aliens. Not 'migrants'. Victims of police brutality are getting compensated in millions. So why not apply the same approach to crimes committed by illegals? Let's keep the DIMS busy this year. Victims of crimes committed by Illegal criminal Aliens living in the U.S should file a $50 billion class-action lawsuit against agencies at all government levels for failure to enforce existing laws. Proactively seek legal advice and engage in wholesale activism on the political front

[@jer1776]

If theyre under $700k, almost a 100% chance. Nothing says freedom and the American Dream like being told what to do by some miserable Karen neighbor.

[@weiss27md]

The main problem is houses are being built very poorly the past 10-15 years. For how poorly they are built they cost way too much. Another problem is the yards are too small.

[@JuancoPRoFlow]

Fuxk you need a yard for. It's just more maintenance and headache. Smaller is better, in this case.

[@nabiji]

​@@JuancoPRoFlow Gardens bro. Dogs. Outdoor cooking. FK even a big enough space to let my daughter play in a Cubbie house or a waterslide. Homes aren't just an investment vehicle. They're a place you build memories in.

[@nunyabidness3075]

lol, yards mean more land which means more $$$. Start with something small and cheap. Fix it up. Then level up. Look for an area that’s going to gentrify.

[@weiss27md]

@@JuancoPRoFlow yard is important if you have kids.

[@robbydelplain8950]

This is literally not the reason. You completely miss understand how this works

[@primafacie5029]

Low supply keeps demand and prices high. Thats one of the issues in Australia. Its deliberate.

[@Horseracingtip]

Forced mass Immigration keeps demand high.

[@chadjackson4786]

you will live in the pod. you will eat the bugs

[@borakaracan6108]

China had unlimited supply and only had a crash once they changed the financing rules. If you don't change negative gearing people will just buy their 3rd then their 7th property and supply won't solve it

[@MichaelClarkson22]

From $85k to $310k that's the minimum range of profit return every week i think it's not a bad one for me, now i have enough to pay bills and take care of my family.

[@Alberto-k6f8e]

I'm celebrating a $30k stock portfolio today. Started this journey with 6k, i have invested on time and also with the right terms now.

[@Freedywest]

Wow that's huge, how do you make that much?

[@Freedywest]

I'm 37 and have been looking for ways to be successful, please how??

[@MichaelClarkson22]

Ohh yeah, that was possible with the help of my Guru Layla zoe ❤️❤️❤️

[@MichaelClarkson22]

She's a licensed broker and successful entrepreneur from the state.

[@ed-bar]

The only way to solve the housing shortage is to pass laws stopping corporations such as Blackrock and Vanguard from buying single family homes and to force them to relinquish the millions of homes they've already purchased.

[@matthill2957]

The only reason they bought all the homes was because the fed gave them 2% interest rates and everyone else who has that rate wont sell

[@alexsystems2001]

I don’t think that would solve it… you gotta go one step higher. I live in a residential neighborhood and a lot of single family homes are owned by small homebuyers and they put it up for rent and section 8 renters get it then they raise the rents and section 8 pays more and that continues on. So the landlord are getting rich off of your tax dollars thru section 8. Joe working renter can’t afford the rent hikes, the landlords are getting Joe working renters money weather he rents it or not and the government just keeps printing money and Joe working renter can’t compete with the federal government. The landlords get more money and buy more houses.

[@JohnWilliams-nw7of]

​@alexsystems2001 that's true but, theirs another side of that. Alot of landlords stay away from section 8 because alot of those people are low quality. Now don't get me wrong, some people who go that route are just trying to get by. But, theirs also alot of horror stories from people who get section 8.

[@janelleg597]

Wouldn't solve it. Too many people living on their own

[@nicklll4477]

@ed-bar even if that were to happen, corporations will then lobby or bribe politicians to find loopholes or get exemptions so it's better to let free market do its job.

[@kortyEdna825]

Because so many people overpaid for homes even while loan rates were low, I believe there will be a housing catastrophe because these people are in debt. If housing costs continue to drop and, for whatever reason, they can no longer afford the property and it goes into foreclosure, they have no equity since, even if they try to sell, they will not make any money. I believe that many individuals will experience this, especially given the impending mass layoffs and rapidly rising living expenses.

[@PatrickFitzgerald-cx6io]

I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!

[@carssimplified2195]

You're correct! With the help of an investment coach, I was able to diversify my 450K portfolio across markets and produce slightly more than $830K in net profit from high dividend yield equities, ETFs, and bonds.

[@NicholasHarmon-ow3jl]

My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor?

[@carssimplified2195]

‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@NicholasHarmon-ow3jl]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@PASCALDAB]

Housing prices likely won’t drop significantly until supply increases. The U.S. is short millions of housing units and isn’t building fast enough. Demand remains high, and even a small dip in prices attracts many buyers. I’m looking to buy affordable houses in August and maybe invest in stocks. When’s the best time to invest in stocks? Some say it’s profitable, but others warn it’s risky. Any advice?

[@Tonyrobs2]

Consider buying stocks when the economy is not doing well, like during a recession. It could be a chance to buy them at a lower price and sell later when prices go up. Just keep in mind, this isn't financial advice, but sometimes it's better than keeping a lot of cash.

[@DonaldStokes-p]

Having an investment advisor is the best way to go about the stock market right now. I used to depend on KZbin videos but it wasn't working. I’ve been in touch with an advisor for a while now, and just last year, I made over 80% capital growth minus dividends.

[@viviancarolgioao]

@@DonaldStokes-p Could you recommend your advisor? I'd appreciate some help.

[@DonaldStokes-p]

Sharon Ann Meny, is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.

[@viviancarolgioao]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@noneyabiz8225]

Now that I am older, I want a smaller/starter home. Smaller homes take less energy to heat/cool, less in taxes, less time too clean, etc... Think I will buy a RV and get a storage unit and save my money

[@steviehandsome4712]

lol the RV lifestyle sucks. RVs are expensive but little tin pieces of crap that aren’t built to last. Then you pay $50-$100 a night to be crammed in a campsite like a sardine. So relaxing!

[@trooper1972]

and build a meth lab 🧪

[@fatboyroy6081]

@noneyabiz8225 I was relocated for work, sold my house in FL bought class a coach cash… I am ready to buy a house but now thinking if I still want to mow the lawn and maintain a house or just take monthly vacation in my coach. You should try it, I tried 2019 to live in a toy hauler trailer I ended up buying a house in FL, this is my 2nd try, the high interests rate make me lean toward staying in the coach and paying storage for stuff and other toys.

[@WORKSbaby]

Might as well get a semi truck

[@Annie-lu5rt]

No thanks.

[@lalsingh7340]

Hit 240k today. Appreciate you for all the knowledge and nuggets you had thrown my way over the last months. Started with 24k in September 2024.,..

[@lalsingh7340]

I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear that you saved me from huge financial debt with just a small Investment, thank you Jihan Wu you're such a life saver

[@JeremyBilbrey]

As a beginner in this, it’s essential for you to have a mentor to keep you accountable. Jihan Wu is also my trade analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@HollyGarwell]

I'm favoured, 90K every week! I can now give back to the locals in my communities and also support God's work and the church. God bless America,, thank you Mr Jihan Wu😊🎉

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Waking up every tenth of each month to £210,000 it’s a blessing to I and my family… Big gratitude to this same Jihan Wu🙌

[@BryonyClarke-e4v]

Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them. People prefer to spend money on liabilities, Rather than investing in assets and be very profitable

[@sq7944]

The issue in NY is not just home price, but property taxes exceeding $8,000 for a small $500k house.

[@marge3157]

We pay $1800 for the year for our house and 3500 acres in Oregon.

[@Luvothrsmor22]

lol try NJ. Our taxes are more like $12,000 annually for a 500,000 home. And a $500,000 home is little more than 2,000 square foot two story

[@NimaOmaisj]

Hello, I don't know anything about investing and I'm looking to invest, any help? As well who can I reach out to?

[@ChristaW.Henderson-fo1yw]

Most people today have been having a lot of failures in investing because of poor orientation and bad experts.

[@VictorFalconer]

It's wise to seek professional guidance when building a strong financial portfolio due to it's complexity.

[@VictorFalconer]

I think I'm blessed if not I wouldn't have met someone who is as spectacular as Patricia Strain

[@JohnCollins-f8y]

Talking to an expert like Patricia Strain to reshape your portfolio is a very smart move

[@VictorFalconer]

Patricia's unique strength lies in her realistic approach which makes her different from other brokers who often set unattainable targets and fall short in delivery

[@sergiobriseno1684]

4 steps to fixing the housing market. 1. No institutional buyers. 2. No foreign buyers. 3. Mom and Pop investors need to buy cash no financing. 4. Incentivize home builders “small home builders “ the Lennar and Dr Horton’s are part of the problem.

[@9HighFlyer9]

The house across the street from me is empty for about 6 months now. Owned by some large corporation. Not on the market for rent or purchase. How many are there like that?

[@diemes5463]

No on #3 mom and pops need to start somewhere and employ a lot subcontractors and are a net positive to local economies.

[@joesmith3590]

lol. Literally not one of those would fix anything just what poor kids think. Deregulate and homes will be cheap. Only way.

[@sergiobriseno1684]

@@joesmith3590 so if that is the case then homes in areas that are deregulated would be affordable for their residents. The story in those areas are still the same , average cost for a home far exceeds income in most cases.

[@sergiobriseno1684]

@@diemes5463 does not have to be permanent , only until this problem gets resolved.

[@yuddybrandi]

Isn't it interesting how billionaires often brainwash people into believing that chasing money isn't the path to happiness? The truth is, while money itself might not bring happiness, it does provide security and freedom. These billionaires are securing wealth for future generations, and one thing they all have in common is that they're investors. It's crucial for people to take their financial literacy seriously and consider investing in the stock market. It really can work for you and help you build the financial future you deserve.

[@Rafaeljasper-mp]

You get rich by making credit work for you. Nobody ever got rich by saving money.

[@Saracristiny-546]

Investing and trading now will be the wisest thing to do especially with the current economic fluctuation and inflations.

[@JenniferConnie-5]

Success usually comes to those who are too busy looking for it. If you're willing to do business or become an investor then you will be rich.

[@villemasespindola]

Traders should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation.

[@MarilynBeverly943]

If you're unsure about investing or need personalized guidance, consider consulting with a financial advisor or investment professional. They can provide tailored advice based on your individual needs and goals.

[@johnemmert6336]

I have a different idea. How about the federal government restrict by law, purchasing single family houses by corporations and hedge funds, etc as investment instruments. Other countries have successfully restricted family homes from being used as investment instruments for big business.

[@rtx-kk2xq]

There was a bill in the house, idk if it ever got voted on

[@Noah_527]

Most rentals are owned by mom and pop real estate investors. It’s something like 10% owned by corps and 90% owned by smaller outfits.

[@firefire7529]

Yeah this will not actually solve the housing crisis, too little houses are owned by big investors. The root cause is just not enough homes. Investors are a symptom, not a root cause of the problem

[@bevginanni3741]

I see this every day in Las Vegas, NV. Clark County went from 120,000 in 1979 to 2.3 million today! $100,000 for a 4bdrm, 2500 sq ft, 1/2 acre lot in 1980. Now sells for $500,000+. Lots of single family homes built just for renting up here now. Most around 1800 sq ft. Lots of 3500 to 4500 sq ft houses being built too with million dollar price tags. I don't see how anyone can afford them.

[@i_like_beer-o2f]

Boomers who are downsizing from their CA million+ dollar homes can afford it. Young people can't

[@tenossos]

Where I live in the SF bay area, small old homes sell for $2M or more.

[@bevginanni3741]

@tenossos I've seen that. San Francisco area is outrageously priced! But I love that area. I spent lots of time up there in the early 70s

[@tenossos]

@@bevginanni3741 Thousands of tech workers making a couple hundred thousand or more have pushed housing prices very high. City leaders welcome the tech companies, but don't know what to do about the homelessness and displacement this causes.

[@Serious-Man]

BOXABL is manufacturing small affordable homes in their Las Vegas facility. $60K.

[@stevenwalker4923]

The shortage is caused by LOCAL governments. Local governments are responsible for green-lighting new housing projects. Local governments keep housing shortages because they want to keep property taxes artificially high. The more houses that are built, the value of homes that are existing go down. So existing home values are down while new construction home values are high. Zoning laws also affect the housing shortages. So basically, if you want there to be more homes in the area to lower home prices and increase availability, vote in local board members that want to green light new developement. For 50 years we haven't kept up with home demand.

[@s13shaka]

Nobody wants 50 condos in an area that cant support that type of population. Stop treating people like numbers and sardines.

[@diemes5463]

Exactly planning and building departments are requiring more information, charging more and taking longer to approve basic housing projects.

[@earthtoemily4855]

A lot of it is coming down from the UN Agenda 21. The local governments are all in compliance with the "sustainable development" goals. It's a mess.

[@caryphillips4885]

Turns out all the homeowners from the previous generation trying to put communist government market interventions in place to protect their property values were the problem all along 😂

[@el_dragon170]

I overheard a conversation with a local city council guy about this. He was basically saying that for them, they prefer apartment complexes to single family homes. Property tax aside, they are looking at the overall increase in tax base for the limited land in the city.

[@AndrewSmyk]

Stop corporations like Black Rock or foreign investors from buying up single family homes, get rid of the soft lumber tariffs. It's more profitable for builders to build larger homes and the concept of a starter home has disappeared in the last decade.

[@winniethebubbly]

The problem with building new houses in new areas is HOA. Most people avoid them.

[@Jeremiah2106Gabbard]

Read the 2025 year of The Snake Chinese zodiac DEAGLE DEPOPULATION REPORT, Remember Trump and THE SNAKE poem, you knew I was a Snake when you took me in. Now, America 🇺🇸 joins world wars in Snake Years 1917, ww1, 1941, ww2, 2025, ww3, now, you will not need homes in 2025 because they know what they are doing, depopulation agenda, wait until 2040, 138 years after 1902, Phoenix cycle judgements event , then 2046 nemesis X object destroys America, not one stone left atop another ❤

[@Palantir_Daily]

Show me a new build community without an HOA in Arizona

[@joesmith3590]

HOA are the only way they can get built. The city won’t take on the financial responsibility for the road and parks and community anymore. Back in the 90s the city built the park in your neighborhood now you do.

[@rfborden4854]

​@joesmith3590 property taxes are too low then. Nys, I bought a new build in 2019, no hoa but 11k in property on 300k home. At least with the tax I don't have hoa restrictions

[@RussellD11]

what builder can afford to build one home though? look at the logistics of HOAS, they are REQUIRED when you have a neighborhood development... only way out is to build one home at a time, in different locations... WHo is going to do that? REal question, waiting foryour answer...

[@kentallred3726]

It's not the builders. As a builder since 1990, I have seen the problem grow. It's the city's wanting bigger homes in their city. Also wanting to make stucco, brick, rock and board siding the requirement. I used to build 1200 sq ft homes with vinyl siding on 8000 sq ft lots in Utah. They wouldn't even allow smaller lots and most of the time they wanted 1/3-1/2 acre lots. Now they try and cram condos into small spaces with no yard. The building codes have also changed with energy effeciency and so many codes that the houses increased at least $50k just to appease those codes. The farmers want top dollar for their land and that also increased the prices. After the recession sub contractors also started charging more because several of them got out of the industry because they went bankrupt. So you have a shortage of subcontractors which jacked up the prices as well. I do not see a short term solution but I can see long term solutions.

[@ljthirtyfiver]

Maybe I misunderstood but I recently moved to a new apartment building built within the last 4 years or so . I moved from A older building built in the late 70 maybe ..early 80s. Although From a south facing balcony I moved to an east face balcony I’ve realized I barely need the a/c in what should be the new “energy efficient “ up to modern code apartment . Whereas the old unit I’d needed the a/c and if not ….the whole place would get muggy and humid . Had to get a WiFi enabled thermostat to activate the a/c while I was gon periodically so my apartment wouldn’t muggy up and create mildew even I cleaned a lot. Anyway sorry bout my not so cool story but I imagine it was because of new building code these days that prevents my new apartment from needing the extra cooling .i seems worth it

[@kentallred3726]

@@ljthirtyfiver It may be worth it but it all adds up. If it was not a code then you could pay extra if you want to get the upgraded AC. But because it is a code then it increases the price of the home for everyone.

[@kyles2232]

They pretty much outlawed homes under 1k here

[@lmaolmao-ib8lg]

I seriously wouldn't touch anything made past 2018 for a car, house, or an RV. The quality on EVERYTHING sucks ass. I flip cars/RV's as a side hustle, and even a house or 2 depending, and I wouldn't pay $200k for some of these newer built homes that are asking 500-600. Everything sucks and its all dog shit. I flipped a newer house/forclosuer that had mold damage, and there were so much that was fckup up and cheap. Not even talking about the mold, just everything else. My house is made in 1980's. I strongly suggest starting with a older home with a good structure and putting work into it rather then spending an extra $1,000 a month on a cheap pos finished home made recently.

[@Helen_white1]

If anything, it's likely to get worse. Affordable housing will soon become unaffordable. Therefore, I advise taking action now because today's prices will seem like bargains tomorrow. Until the Fed takes more decisive action, I expect we will see hysteria due to rampant inflation. You can't just halfway rip the band-aid off.

[@Thompson-e7h]

In the early 1990s, when I bought my first home in Miami, it was common for first mortgages to have rates between 8% and 10%. It's important to recognize that we may never see 3% rates again. If sellers are forced to sell, home prices might need to drop, resulting in lower valuations. I believe many people share this perspective.

[@Grace.h-t8o]

Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. If you are in cross roads or need sincere advice on the best moves to take now its best you seek an independent advisor who knows about the financial markets.

[@Theodorebarba]

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

[@Grace.h-t8o]

I work with Stacy Lynn Staples as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.

[@DhanaPayar]

I searched for her name on the internet, found her page, and reached out via email to schedule a conversation. Thank you.

[@r_b5951]

I know a builder. They would like to build small "starter homes". The problem? Setting aside land cost for a second, regulation & process costs set a minimum cost builders incur to build a home - any home. Today those base costs translate into little or no profit when trying to build a small starter home (like 1,400sf, 3BR/1Bath/no garage home I bought around 1987). OSHA & other govt. regulations drive builders toward large homes in order to make a profit worthy of the effort in the first place. I realize nobody wants to hear that. But that is one reason for the lack of starter homes today.

[@christians131]

2:11 Did he unironically say that maybe mom and dad give you $20 - 50,000 for a down payment?😂

[@Jrome3]

I know. I was like 😳😳😳 😂🤣😂

[@JoeMarrero-manvscode]

Yeah, I wonder how common that is. I met a guy who received a large inheritance and he makes $35k a year. Some people are just lucky I suppose. If you don't build your up your own networth then it is harder to keep it. The unlucky ones had to pay for those lessons with time and their own money. In the end, the unlucky ones tend to keep their money.

[@Zombiebeast1995]

@@JoeMarrero-manvscodethis is true, because we spend years building the money muscle. It is a skill and doesn’t come from anything else except making money over time and managing it well to turn it into wealth

[@christians131]

@@JoeMarrero-manvscode That sounds like a harsh reality in a way but it checks out. Apparently ~ 90% of wealth is lost by the third generation

[@KERPALSINGH]

It's more common than you think for better or for worse.

[@CaslerDannels]

Hallelujah!!!! The daily jesus devotional has been a huge part of my transformation, God is good 🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻was owning a loan of $47,000 to the bank for my son's brain surgery (David), Now I'm no longer in debt after I invested $12,000 and got my payout of m $270,500 every months,God bless Ms Evelyn Vera🇺🇸..

[@BuppHives]

Only God knows how much grateful i am. After so much struggles I now own a new house and my family is happy once again everything is finally falling into place!!

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Absolutely! I've heard stories of people who started with little to no knowledge but made it out victoriously thanks to Ms. Evelyn Vera.

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Wow...I know her too she is a licensed broker and a FINRA agent she is popular in US she is really amazing woman with good skills and experience.

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God bless USA 🇺🇲🇺🇲

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Great to see you guys talking about her, This woman changed the game for me.

[@kirkbrooks9447]

Something that I've also noticed is that a ton of people don't understand the concept of the "Starter home". They want the home their parents had when they were kids, or the home their parents have now. A starter home isn't 4 or 5 bedrooms with 3 bathrooms and a giant yard, that's the home you buy after you get married and you develop a plan for a family, if that's what you want.

[@franciscomcmxc1052]

Engineer here, 800 + credit score, my wife is a nurse. We cannot afford a small townhouse.

[@anthonyfam5469]

What city do you live at ?

[@Brazillianboi69]

You just live in SF

[@Zombiebeast1995]

We bought our first home at age 21 with 700+ credit score, and about 50K of income and it was probably a bit more than a starter home, in the 5th largest city in TN.

[@Jrome3]

That's terrible. 😐

[@steviehandsome4712]

Not true. You’re full of shit

[@peterbyrne4770]

Pat, thought this is super insightful. I know your feelings on WFH jobs vs being in the office. One challenge is these HQs tend to be in expensive cities. Remote work give people more freedom to spread out into these cheaper more rural areas. Otherwise, you’re forced to live where you work.

[@Brazillianboi69]

He will never change his mind. His whole argument has this big hole. Are people supposed to drive 2 hours to the office? Ridiculous solution.

[@peterbyrne4770]

@@Brazillianboi69 I see benefit to being in office for the productivity and relationship building. I personally enjoy being in the office but in my opinion it’s beneficial for the company more than for the employee. I’m talking the average person here too - who tend to want to go to work, get their job done and go home. They spend extra time and money commuting that isn’t necessary for the work they’re doing. I also think pbd’s perspective here was more for property developers/ people looking to build as an investment - prob not for the avg person either.

[@Noah_527]

A good team can be productive being entirely remote. Building relationships same thing. Remote team tools are very good nowadays.

[@peterbyrne4770]

@@Noah_527 able to be productive I agree 100%. As for relationship building there is no substitute to being together in person. You don’t get the same amount of time to speak outside of meetings, no shared meals, no well timed jokes with the person sitting next to you.

[@Noah_527]

@@peterbyrne4770 I don't go to work to build relationships. I go to work to get stuff done and get a paycheck. I don't care to share meals or chit chat with my co-workers. They are not my friends, they are my co-workers. I've been remote for 5+ years and will never go back to an office if possible.

[@bobbyflores220]

in the L.A. area i NEVER see large homes being built. They build a bunch of compact, 2 story houses (small like an apt) all cramped up next to each other on a tiny piece of property, no yard, no privacy, no parking and bunch of people living in each home....

[@chrisbaker2669]

Leaving the gold standard made housing jump from $23,000 to $420,000 this made wealth much more unequal.

[@saleens330]

Depends on location. I’ve driven through a good portion of the lower southeast. There are tons of new houses and used houses for sale or being build. Tons of new subdivisions being built. Tons of apartments being built. I drove past 5 houses yesterday in a row that are for sale and were done being built almost 6 months ago. Prices too high. Interest too high. Inflation has smoked everyone’s savings. Ppl are broke.

[@noahbrewster8263]

Crazy. I’m 26, and my wife and I just finished our off-grid cabin we’ve been working on for 2 years. It cost roughly $80 k to build ourselves, (no contractors) and has been a huge cheat code in the matrix. Praying for our economy to change though. Thanks for the insight Pat

[@JoeMarrero-manvscode]

noahbrewster8263 Do you guys work remotely?

[@Zombiebeast1995]

This is how to do it. My wife and I bought a home at 21 then bought 20 acres at age 26, and sold our first home and built our second home and finished it at age 28. We did about 50% of the work while still working full time. So basically we took $4000 to get our first home and put in some sweat equity and now have a $600,000 value and only owe $279,000. We are 29 now.

[@ganjahiwalker2641]

What state if you don’t mind me asking?

[@Zombiebeast1995]

@ TN

[@diemes5463]

Building is the way to go, 1/5 the cost (or less) and you know what's being built

[@ShowLSWH]

Banning corporate ownership and regulating short term rentals are two parts of the equation, but we need to stop forgetting about zoning laws. Most American cities have restrictive zoning laws that make it illegal to build anything other than large single family homes on the vast majority of land. Pre-1950s most American cities had a large variety of housing like rowhouses, townhouses, small houses and big houses, small apartments, big apartments, multi-plexes and anything in between. Now all we build are giant apartments and giant houses. Why? Because of zoning laws. Why can’t we have bakeries, coffee shops, or corner stores in residential areas? Zoning laws. Meat packing plants don’t belong next to kindergartens, but zoning laws that were originally passed to segregate cities and now just drive up equity for those who already own homes are long overdue for abolition. I’m not sure why the right finds it so hard to extend their embrace of free markets and property rights to include freeing up zoning and land use. Housing is too expensive? Build more housing.

[@kyle6781]

What does the right have anything to do with what you said? Lol California is a SUPER majority democrat and cities can't build houses in California because of... wait for it... regulations and a shit ton of them.. this is a bipartisan issue, both parties have fucked this up

[@ShowLSWH]

@ The right is relevant because they’re the side that should be keen to support zoning reform but for whatever reason tends to either be silent on it or against it. Here in Texas, conservatives are some of the loudest voices against mixed use zoning and building different types of housing.

[@kyle6781]

@yourname06 what's NIMBY mean?

[@Riggsnic_co]

I’m in Ohio and the housing market here over the last 7-8 years is unlike anything I’ve ever seen. Homes that were bought for $130K in 2015 are now being sold for $590k. I’m talking about tiny, disgusting, poorly built 950 square foot shit boxes in quiet mediocre neighborhoods. Then you’ve got Better, average sized homes in nicer neighborhoods that were $300K+ 10 years ago selling for $750k+ now. Wild times.

[@Jamessmith-12]

Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.

[@JacquelinePerrira]

Personally, I can connect to that. When I began working with a fiduciary financial counsellor, my advantages were certain. I got into the market early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2021 this time with guidance, Long story short, its been 2years now and I’ve gained over a million dollars following guidance from my investment adviser.

[@kevinmarten]

This is huge! think you can point me towards the direction of your advisor? been looking at advisory management myself.. seeking ways to invest and make more money with the uncertainty in the economy.

[@JacquelinePerrira]

Just wanted to say, ‘Carol Vivian Constable’, my CFA, is the real deal in his field. Dig deeper into her background; she's got years of experience and is a goldmine for anyone diving into the financial jungle!

[@kevinmarten]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

[@johnstrawb3521]

Here's how you fix the housing shortage: No one and no corporate entity may own more than 20 houses.

[@ed-bar]

​@Treyrizerokay, then tell us how it works. Tell us how Vanguard and BlackRock buying over 25% of single family houses at incredibly higher prices compared to fair market value isn't raising the cost of houses

[@Muledeermonster69]

All they are building these days is shitty apartments when was the last time you saw a nice neighborhood being built where the houses weren’t 2ft apart from each other

[@joespinella7773]

​@@Muledeermonster69Houses are being built all around me here south of the twin cities. None of them are being filled cause no one can afford them

[@kingiam9271]

Sounds like communism tbh

[@JoeMarrero-manvscode]

This sounds good but that wouldn't stop corporate entities. They will just create LLCs that buy 20 homes each and re-organize under a partnership.

[@TexasRaised87-u2y]

My parents first house was $35,000, trailer home, they made maybe $10k a year.

[@atitaicusboosman]

What happens when companies control so much of the market it’s no longer free? We are experiencing corporate greed and it’s making a literal housing bubble. Moving to a place where there are no jobs is not a solution. Italy, Ireland and Greece have all tried moving incentives and it didn’t work. The point is almost moot.

[@sanniepstein4835]

The corporations are aided by corrupt governments hampering unconnected businesses.

[@Luvothrsmor22]

In my state, the property taxes are more per month than the mortgage payment!

[@atitaicusboosman]

@ My gut feeling tells me that is not true but willing to be proven wrong. But even if you have high property taxes there is certainly no income tax? Also, taxes can be a good thing and I think pedaling a narrative where they’re always bad is misleading and deceptive.

[@chairmangerman]

Another national hero. Patrick Bed David.❤️♥️❤️♥️❤️

[@edartis]

Mannnnn the amount of value you drop in 10 minutes is mind-blowing!

[@ddc163264]

It's NOT just houses, its apartments as well. When rentals have doubled and tripled for no good reason other than greed. Renters aren't saying , "Yes, we want to pay 50% or more of our income". But when that your only choice to have a decent, clean place, then you do that. Yes, you can go to a new place, but now to get a job, you're driving 2 HOURS commuting EACH WAY to get a job. What you forgot to mention was the housing bubble. It popped once, it may pop again. My ex bought a house for $450,000 and when it popped, it was only worth about $250,000. While it has come back up, it's still not $450,000 yet. Then all these new developments are HOA's that control you and your house. You never "own" your home. The bank and HOA does and they work together against YOU!

[@mydressmemos]

The U.S. Housing Shortage has become especially pressing in recent years due to rising home prices, growing rental costs, and increasing levels of homelessness, People are being impacted by the long-term decline in property prices and the housing market. I recently sold my house in the Sacramento area, and I want to invest my lump-sum profit in the stock market before prices start to rise again. Is now the right moment to buy or not?

[@LUCIASMITH-d1z]

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert

[@MattsMkia]

It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.

[@JacobsErick-u8r]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@MattsMkia]

Her name is. ‘Melissa Terri Swayne’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@winifred-k9e]

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

[@stephenwilson1012]

Pat you need to design a 101 course for juniors and seniors in high school. Maybe like a one semester introduction to basic economics to prepare our kids

[@Patriot3]

There is no shortage on housing, simply to many people in houses that should be in different countrys.

[@johnhasken]

It's mind boggling it took me this long to find this comment.

[@btysgmbtysgm8178]

BINGO

[@Zoltan1251]

Oh, an american guy that has no clue about the outside world, the most common animal in the world. Its worldwide problem. In my country, almost every city is losing population and prices still go up.

[@Skyking6976]

Huh?

[@healthyminimalist]

There's plenty of houses. Many sit empty from ab&b and investment properties, etc.

[@michaeledgar5863]

The Frisco talk was one of my favorite. I still share it to my economic developer friends.

[@alwayslastinline5857]

As a builder, my dad couldn't build a starter home for a profit because the permits and fees are the same. With the increase in fees and skyrocketing lumber and labor no builder can stay in business building starter homes

[@LarixSibirica]

Exactly!

[@uhhcrave]

only comment that makes sense here

[@cooliipie]

1:24 it's very important to mention that that's household income, meaning dual income. It was definitely not doing come back then. So it could be as low as 4X.

[@keithmceuen8775]

In California they added 150000 dollars in requirements new homes require fire sprinklers,rain water storage, and solar panels with backup batteries

[@Zombiebeast1995]

Move

[@bernitup6492]

Problem is that many do not want to move away from where they are from. It happened to me, I was just chasing a moving target when saving for my home. I decided one day to visit my SIL that lived 2 hrs away from where I lived and looked around and saw that it was growing and gentrifying and within a 2 months, closed on my home with 1/4 of an acre to build an ADU for my kids if I decided. I'm in SOCAL by the way and got in during the super low rates. It can be done but sometimes got to be realistic of your current situation.

[@usernameryan5982]

The idea that small homes are not profitable is not true. They absolutely would be profitable if there was no limit on the amount of lots or land available for development. Developers will always start with their highest margin clients and work their way down including doing affordable mass production. If there’s heavy restrictions and long approval processes, the stuff that would be dirt cheap becomes impossible.

[@rmikel14789]

At this point, we need to get rid of restrictions and zoning, but also we need to distance incentivize million dollar housing. increase the taxes on builders that are building $1 million housing, and give it to the builders trying to solve the housing crisis. I would say not everyone wants to live in a home less than 1300 ft.². However, what I would consider small or reasonable would be 2000 feet or less so 1100 feet to 2000. That’s the real problem and shortage. You need bedrooms and bathrooms for people to have children, or birth rate will just continue to take to be negative. Also, remote work will play a role, it has to. The problem with real estate is returned to office mandates mean that you will never be able to solve the housing shortage if you are forcing people into the big cities or suburbs there in. RTO it’s great for managers and CEOs Bad for employees.

[@jaypusha5554]

The shortage is artificial, if there is too much supply it means prices could fall and the mortgage market could crash. Simply put the shortage is needed to maintain the system.

[@pluggedyoutube]

So how do you expect house prices to drop then because no one can afford it

[@shekarigaming7983]

The shortage is not artificial. You simply are not in the real estate industry. It is a simple supply and demand issue. If more houses are available then buyers, prices will come down. But big corporations can’t buy large quantities of homes simply to rent them out - that creates housing shortage. Also, with 3D printed technology, it can cut the cost and time of building homes which in turn can bring prices down.

[@jaypusha5554]

@ shakira, it is artificial, we can build more houses but we simply don’t because too much supply is bad for business. You’re simply not intelligent enough to understand. No financiers want prices to come down and the government doesn’t want that either. That’s just the truth.

[@ThomasGLee]

@@shekarigaming7983 Wait, listen to what you're saying.

[@anthonypan205]

@@shekarigaming7983 supply demand doesn't work for housing because it is a financial asset. Proof: China's housing prices exploded during the building boom because people treated them like financial assets.

[@DeeJayDyer]

Brilliant!! The answer is to move to underdeveloped areas with less to no economic activity and try to make a living. Why don’t I think of that??

[@rikki1901]

😂 PBD is the everyday man /s

[@cofee_and_wine]

I have a simple solution. Put extra tax for owning more than 1 house, then even more for owning more than 2 etc. As soon as you put crazy taxes there you will end the crisis. You will see how the things are changing fast. This has be done already multiple times and proven to be very very effective in some countries.

[@henoch44]

also, put double tax tax on any additional, tomato, potato etc. world hunger solved...

[@cofee_and_wine]

@@henoch44@henoch44 that's not the same thing, and it is a bad example.

[@Skyking6976]

As someone educated as a lawyer I thought of a workaround before finishing your comment. Investors would simply created multiple LLC’s or whatever legal entity they wanted, to purchase one home for each, with all being under the umbrella of one larger company. They’d also look into incentives, like if they rent as a section 8, would they be exempt from such a tax because they are participating in a government program to help the less fortunate. Then the neighbors would be angry at local government for imposing the tax on owning more than 1 house in the first place.

[@cofee_and_wine]

@@Skyking6976 That would be called fraud and not legal. The LLC owner still has the name, and it is a person. It is extremely easy to trace. That would be called tax evasion(and not the legal one) -one of the worst crimes in the US.

[@Skyking6976]

@@cofee_and_wine Hardly… There is nothing illegal about owning multiple LLC’s. I personally do and have a few left from my parents as well. Heck every property, vehicles, etc., would show I own nothing for liability sake. You learned that corporations are “people” in the legal sense during Business Law class…right?

[@thtboikaran]

You should do a similar video comparing cost of college tuition, childcare, rents, medical expenses, etc. from the 70s and now. There is a reason why the younger generation is not having kids because everything is unaffordable and salaries have definitely not kept up with these price hikes.

[@dylanrocha2442]

There is a reason some places towns/states have cheaper houses and that is because there is no where to work in those areas.

[@rikki1901]

Pbd pretends to care about the every day man. He doesn’t. He makes his workers come into the office even though they can work from anywhere. His proposed solution is buy a house in a potential upcoming housing community 2 hours away from your job because the housing close to your job is unaffordable compared to your salary. So spend time in a soul sucking commute

[@doctorgap]

I'm 35 and married with no kids, I make 105k and my wife makes 65k.. we can't afford a home in Arizona. Really sucks, thanks Biden 🤝🏻

[@SwiftDrift88]

That’s capitalism baby 😎

[@goat1941]

@@SwiftDrift88crony capitalism you mean

[@driverkpk]

You're not a tree move

[@azmom0014]

A lot in PV is now 2.2 million Crazy !!!

[@Noah_527]

You can afford a house in AZ with $170k household income. Is it in the best neighborhood? Probably not. But that’s on you to decide. Similarly, there are plenty of affordable houses in CA, just not where a lot of people want to live.

[@Outdoorfunmatt]

I’m a GC, building a home is not cheap.

[@kyryloreznykov4959]

Work from home is the easiest way to alleviate the issue. By not forcing people who able to do work remotely to live in expensive areas you are more evenly distribute wealth through the country and remove a lot of pressure on prices in the most expensive urban areas.

[@laxfan1238]

0:00 That hook was fantastic.

[@processisresult]

Best video ever in real estate

[@Jax_904]

I worked in construction during pandemic. I think we are still feeling the effects of it. I was cut to part time because lack of supplies

[@electricalsociety5593]

Two regulations that can be passed are removing private equity and corporate investment on single family dwellings and force the divestment of their current portfolio, and yes incentivizing builders to build sub 2ksqft homes. It’s hard to expect people to move to little chicken tit Arkansas when there is no industry there. The problem is more rampant than PBD is putting forward, the homes in every area surround a major metropolitan 50 miles out is unaffordable.

[@JoeMarrero-manvscode]

Yes, I said the same thing in my comment. I have been blessed to be able to work from home since 2018. I was able to find a low cost of living area and buy an affordable home in an area with NO JOBS. PBD's answer to move to an undeveloped area is not a real solution when there is an opportunity cost of missing out on good job opportunities and having to deal with poor Internet and poor infrastructure. This is a real problem and, as a capitalist, we have to find a real solution.

[@CliveBirse]

The housing market is inflated and oversaturated with homes being on the market with astronomical price tags just stagnant for months. It is very clear that our generation will be likely one of the most devastating bubble pops in modern history. Seeking best possible ways to grow 250k into $1m+ and get a good house for retirement, I'm 54.

[@ThomasChai05]

Safest approach i feel to go about it is to diversify investments. By spreading investments across different asset classes, like gold, silver, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert

[@mariaguerrero08]

I’m closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t really start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in over 80% profit than some of my peers who have been investing for many years. Maybe you should consider this too

[@mikegarvey17]

I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.

[@mariaguerrero08]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with *Izella Annette Anderson* for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@Grace.milburn]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website… thank you for sharing.

[@ojbd18]

Amazing PBD! thank you for all the amazing content you come up with over and over again 🙌🏽

[@dustinmarquand5301]

Young people also want to skip the small home... Straight to the second home size and features. Especially the features..

[@Ian92999]

hehe yes features

[@pluggedyoutube]

We need one of these for Canada it’s legit even worse up here and the people are suffering 🇨🇦🙏

[@janemoore9469]

Subsidize new homes that can't be sold for at least 20 years.

[@intercine4986]

That is the worse idea ever. You would put US economy in a depression overnight.

[@yanbaihuzxzxzx]

Govt needs to step in and build houses for people. Youll need 5 million more units for 2026 and 10 million more units for 2030. Why double would half real estate prices. A house is not an investment its supposed to be a place to lay your head.

[@usernameryan5982]

Socialist nonsense. Not only is public housing absolute garbage, especially in a low trust society like America, it’s also an enormous financial scam. Houses in America are already way over production cost, especially in areas where there are shortages. So there’s a huge demand for developers to build homes yet they’re not. The answer is because of local government. So you’re basically begging your oppressors to fix the problem they caused. Epic case of Stockholm syndrome.

[@lsmel5094]

I found out that in Hamilton county IN, there is a moratorium against building small homes under a certain sq ft and price. I think it's $400,000. That's a problem for starter families and seniors. But they are building apartments and condos for rent like crazy. 😡

[@HighDiver5555]

We’re also suing Main Street Renewal for not having an Early Eviction Clause in the lease. We had to move out due to disrepair over only 2 years and instantly closing our maintenance requests. We moved into a far better community now, farther from the city too. Wish me luck!

[@Jm-Gonz]

Im 59 and retired a couple GoPro years ago. To supplement my income, a friend and I would by 2 - 3 houses in foreclosure, renovate and sell them. Starting about 10 years ago we noticed institutional investors at the monthly foreclosure auction out bidding everyone else, within 5 years they were outbidding everyone other than other big institutional investors, they were buying to rent, not to resell. Its completely distorted the entire housing market in Atlanta.

[@Cooter-c7r]

I love out in the sticks, I've got a smaller property with only six acres. I will lose my ever-loving mind if some investor swoops in and buys land out here and develops.

[@joezapp1852]

I am a young builder, my current project is a 1275 square ft, 3 bed, 2 bath, 2 car garage. Handicap accessible (zero entry). Being built in Topeka, KS. Will sell for $255k.

[@sran9492]

Damn thats cheap compared to my coutry, we earn about 1000 a month and housing is around 200k and you earn in kansas 3100/mo and housing is 255k same number of population as Topeka KS, thats wild

[@hondainsight421]

If you made a gross profit of $51,000 your build cost was $160 sq ft all in. Seems high. One 3d printed concrete house in Florida was completed for $137 sq ft. And hopefully one of those 3d companies will get it down to $100 sq ft turnkey . Tradesmen are expensive time to learn robots build houses

[@logicrules4033]

Add the PID in there for amenities you likely won’t live there long enough to even use

[@zoanth4]

I owned a home in nyc at 26 back in 2010. Save your money, live frugally, and be willing to live below the standard of a dream home.

[@RobertS.Headrick]

I see the rising interest rate as a very big problem, as more investors will definitely pull out more money from the Stock market. This might have worked when I was still invest-ing with a couple thousand dollars, but it is more difficult now to decide whether to pull out more than $365k from my port-folio. I know some inves-tors still make that despite the strong bear market. In wish I could pull that feat.

[@CharlesT.Foster]

I think the whole thing about holding stocks for long term will always apply. So I think you should get a quality broker who is able to analyze and pick stocks that will do well in the long term, else you will be in a long bear ride.

[@heatherj-o5j]

You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a broker, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.

[@StephanieG.Augustus]

This sound interesting. I’m not really one to use pro analysts, but I guess it would not hurt to try one. My portfolio is in the red waters right now

[@heatherj-o5j]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Stacy Lynn Staples for the last five years or so, and her returns have been pretty much amazing.

[@JohnNgomba-k3v]

I located her, sent her an email, and scheduled a call; hopefully, she will reply because I want to start the new year off financially strong.

[@markshea958]

No one is talking g about the fact that housing has become an asset class for investment firms . Now they own 44% and they want to own 60% by 2028.

[@allmotorhash]

SET A LIMIT OF PROPERTIES FOR INVESTOR FIRMS TO ALLOW NORMAL PEOPLE TO BUY HOMES AND THE ARTIFICIAL BUBBLE WILL GO AWAY

[@marygrant9817]

@@allmotorhashAnd, maybe not even allow Investor Firms to buy houses.

[@allmotorhash]

@ yes this making everything expensive and it is not minimum wage hikes or food cost hopefully trump sets a limit

[@nochance1890]

Fix it by 1. Abolish usury 2. Massive debt jubilee 3.Mass deportations = increased supply

[@thomasrogers9146]

MY COMPANY BUILDS STARTER HOMES..THE MARKET IS MASSIVE. THANKS PATRICK.WE CAN SOLVE THIS BUT WE NEED TO MAKE CHANGES.

[@KERPALSINGH]

The stock video @2:40 of the adult kid playing with dad's Santa beard is on point - gotta show affection to make sure he doesn't get kicked out

[@MablePauls]

Bring *Julianne Iwersen Niemann* on the show. She changed my life Financially I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Julianne Iwersen Niemann, for her expertise and exposure to different areas of the market.

[@Erikkurilla01]

I know this lady you just mentioned. Julianne Iwersen Niemann is a portfolio manager and investment advisor. She gained recognition as an employee of neuberger berman; a renowned investor she is. Julianne Iwersen Niemann has demonstrated expertise in investment strategies and has been involved in managing portfolios and providing guidance to clients.

[@jessicasquire]

I’ve heard of her How can i reach her, if you don't mind me asking?

[@MablePauls]

⁠ her name is 'JULIANNE IWERSEN NIEMANN'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@jessicasquire]

I appreciate this. After curiously searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get

[@Wlad-v2w]

The thing is people often doubt the prospects of financial advisors like Julianne Iwersen Niemann in business/markets today.

[@Brian-rs4ug]

This makes sense. Smaller houses on the outskirts of populated cities. When I lived in California, a friend of mine bought a home in the city of Corona for about $90,000. I was wondering why he bought in the middle of nowhere. Corona is no longer the middle of nowhere… The middle of nowhere today, will be a populated city in time.

[@pritikarande3877]

Once Elon Musk's XAI33x passes $1, it may NEVER see that low again

[@gamingwithjatin3553]

Elon is bigger than META and META was afraid of running crypto Now think about this.

[@SHAANFFyT94]

Elon musk Is a crybaby who thinks he can run the world

[@suresh0343]

Elon is bigger than META and META was afraid of running crypto Now think about this.

[@rahuljoshi007]

I’ve seen many projects come and go, but xAI has a unique approach that sets it apart. I’m excited to see how it evolves!

[@vinaypatil860]

I Can’t believe i almost missed this, Appreciate the quick update my man!

[@spotifyseascapessmoothjazz]

I'm married, 42 years old with 3 kids (age 5 and under) living in a one bedroom, 600 sq ft condo. The American Dream. 😂

[@priceless55]

THE PROBLEM IS GOVERNMENT NEEDS TO BUILD THEIR OWN APARTMENTS TO HOUSE LOW INCOME PEOPLE INSTEAD OF HANDING OUT SECTION 8

[@MarcusDiana]

*I wasn't financial free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals, just hope it encourages someone's that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made.*

[@catlinbrayan9404]

The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies.

[@JeremiahParker-]

That's awesome!!! I know nothing about investment and I'm keen on getting started. What are your strategies?

[@chinwu5042]

People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. He has helped me raise my reserve from $275k to $850k, despite inflation.

[@JenniferLynd]

If you are using a really good broker or account manager, it's easier to earn from the market

[@michaelsalinas5572]

Investing with an expert is the best strategy for beginners and busy investors, as most failures and losses in investment usually happen when you invest without proper guidance. I'm speaking from experience.

[@jimrogers7425]

Part of the problem is that back in the day couples were willing to start out smaller and grow. Now kids want to start out where their parents left off… in a larger house. I grew up in a family of four in a 900 sq ft home… something that few would be willing to do today.

[@tristanris2481]

That 900 sq ft home is 600k over here, so even that is impossible 🤙🏻

[@timelessfinancialservices4364]

@@tristanris2481 600k for 900 Square feet?!!!That is insane!!!!

[@mr.diyforthewin7634]

I want you to look at the correlation of homes under 1400 square-foot in the crime rate in that area. We have a Crime problem in areas that have smaller homes. Back in the 1970s 1980s smaller home had normal low abiding citizens living in those communities. That seems to be the biggest difference and why every time homebuyer now wants to live in a large luxurious home.

[@Bakers924]

Hedge fund companies are buying single family homes. That's the real problem. Take their tax advantages away. No depreciation on single family homes.

[@marypulley1591]

I think that we should stop new house building and refurbished older empty houses. Sell those at a lower price. I am from the south and I am seeing too much farm land sold, forever lost,and 2 years later a foreclosure sign and a cotton field gone, time to rethink

[@gabrieljordan8015]

Im an electrician and construction has been through the roof the last 4 years. That includes remodels and emergency calls.

[@benw1726]

The main reasons impact fees that are the same no matter the size of the house, tons of unnecessary regulations to build a house and a labor force that barely works.

[@ryanroberts7211]

My issue with growing populations/prices is the locals eventually get priced out of the market. Doesn't allow generational families to stay and dilutes the small town charm

[@Trading-Freedom11]

We are builders in the SW of Florida, and our biggest killer is loan interest rates. If they had insensitives for smaller houses with a better interest rate for construction loans, we could build 50 plus new houses a year easily . The bigger the house the bigger the profit margin that you get to play with. There's not much margin in smaller houses unless, like everything else, you have more volume

[@HodgeChris]

Because so many people overpaid for homes even while loan rates were low, I believe there will be a housing catastrophe because these people are in debt. If housing costs continue to drop and, for whatever reason, they can no longer afford the property and it goes into foreclosure, they have no equity since, even if they try to sell, they will not make any money. I believe that many individuals will experience this, especially given the impending mass layoffs and rapidly rising living expenses.

[@brucemichelle5689.]

I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!

[@KaurKhangura]

You're correct! With the help of an investment coach, I was able to diversify my 450K portfolio across markets and produce slightly more than $830K in net profit from high dividend yield equities, ETFs, and bonds.

[@NicholasHarmon-ow3jl]

My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor?

[@KaurKhangura]

‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@NicholasHarmon-ow3jl]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@RagnarokGenesis00]

we also forget that most of where we live has been discovered without deforestation. it’s all demand vs supply, for the sake of maximize capitalization. market manipulation. rent = guarantee subscription model, however the bubble will show that people won’t be able to afford it on the 60% bottom end

[@heikodatchi3715]

One of the driving reasons for house price increase is the commodification of houses.