Why You Can't Afford a Home

Описание: Everyone says housing prices are high because of "Supply and Demand." The data says that is a lie. In this video, we uncover the $1.3 Trillion mistake the Federal Reserve made, the "Lock-In Effect" trapping millions of inventory, and why a $100k salary doesn't buy what it used to.

Most importantly, I break down exactly what you can do about it in 2025 to stop renting and start building wealth.

TIMESTAMPS:
0:00 - The "Supply & Demand" Lie
1:46 - Stop Looking at Zillow (The Real Data)
2:20 - The $1.3 Trillion Mistake (The Fed)
3:20 - The Lock-In Effect Explained
4:12 - Why Prices Won't Crash (The Ratchet Effect)
5:20 - Does Wall Street Own All the Homes?
6:40 - The "Credit Score" Trap
8:00 - The True Cost of Student Debt
10:30 - Solution 1: The New Math (4x vs 7x)
11:00 - Solution 2: House Hacking 2.0
11:40 - Solution 3: The "Geography Arbitrage"
13:15 - Solution 4: The Student Debt Strategy


SOURCES & DATA:

Census Bureau Housing Vacancy Data

Federal Reserve Economic Data (FRED) - M2 Money Supply

Case-Shiller Home Price Index

Institutional Ownership Data (Invitation Homes 10-K)

DISCLAIMER:
I am not a financial advisor. This video is for educational and entertainment purposes only. Please do your own due diligence before making any financial decisions.

#housingmarket #realestate #thefed #firsttimehomebuyer #financialeducation #economy2025 #personalfinance