this post was submitted on 29 Aug 2023
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A Boring Dystopia
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You said that you don't get it. The point isn't that people are evil for helping their kids, the point is if the housing market is running on the assumption that houses are worth what a family plus their parents will pay for them, regular families won't be able to afford houses. If everyone agreed that regular young families should be able to afford a house and didn't rely on older mom and dad for money, houses would be more affordable for everyone.
I couldn't read the article because of the pay wall, but did they say what the 40% is an increase from? I know I got some help from my parents on a down payment in 1995, and it wasn't super unusual then.
Edit your comment to say, "in the limited circle of people I am exposed to" and your comment would include the context within which is often left our of these types of anecdotal statements.
For example, in the limited circle of people I am exposed to, the people I grew up with mostly ended up as burnouts, prisoners, or permanent renters.
We are limited by our reference frame, unless we are willing to step outside of our own anecdotes. And even then, it is not easy because humans don't think stochastically.
You seem to be making at least as many statements without data as I was, but at least I couched mine as personal experience, and the main point of my post was that if like to see the data. Do you actually know what percent of new home buyers got help from their family over the years, or are you taking shots at my comment without anything better to add?
Exactly, that was the point. If everyone shares data using only their personal perspectives then nothing advances. I did what you did, and illustrated the exact opposite point, showing the weakness of the original tactic. Neither of us said anything of value, but I suppose I wasn't as clear as I could have been. I'm not the best phone writer.
No offense, but maybe you need to hang out with a different crowd. Peers affect your development and success in life.
Correlation, causation
Starting out with no offense, then stating something that is transparently intended to cause offense, is such a thinly veiled tact that I feel bad that it is the best you could come up with. Just say what you want to say, no need to attempt to decorate it, especially so poorly.
Nonetheless, I'm doing quite fine in life, and even if I wasn't, it has no impact on the statement. That stated alone nullifies your comment. But I would like you to elaborate if you wish, I am unaware of anyone who controlled the circumstances of their birth, region of birth, or parents, but if you have guidance on how to do so, I welcome your advice.
A problem I've seen is that since the 90s there has been a progression from small, affordable ranch houses and such to minimansions. Homes have simply gotten bigger. One thing driving it has been the double income household, not only has this driven up prices since the homes simply cost more to make but with two people paying the mortgage you are now in a situation where if one person loses their income you can't cover for them. If it was a single income household and, say, you got disabled the other person could possibly cover for you.