The Real Reason Housing Costs So Much | ZFS 39

Описание: In this episode Zach walks through the five real reasons housing is so expensive right now and why the usual headlines miss the point. He talks about Jerome Powell and rates, BlackRock and private equity, builders and profit, boomers holding assets, and the split between people who have assets and people who do not. If you are trying to understand why buying a home feels impossible and what is actually broken in the system, this episode gives you a clear, honest breakdown in plain language.

Talking points Zach covers:

Why blaming only rates is lazy and incomplete

What Jerome Powell and the Fed can and cannot actually fix

How low rates in 2020 and 2021 pushed prices up fast

Why lower rates again would mostly push prices even higher

The truth about BlackRock vs Blackstone and other big investors

How mom and pop investors and small landlords play a huge role

Why investor purchases now take about one in three single family homes

How builders shifted to big expensive homes and chased record profit

The cost of regulations and land before a single shovel hits dirt

How zoning rules make it hard to build small and affordable homes

Why boomers are not selling and what really happens when they die with property

The massive wealth gap between owners and renters

How the average home buyer age has climbed into the mid fifties

What a bifurcated or K shaped economy is and why it matters for housing

How the top earners keep spending while the bottom struggles with debt and basics

Why policy and legislation are needed because the market will not fix itself

Why waiting for a crash or the silver tsunami is not a real plan

How all five reasons layer together and squeeze first time buyers

Timestamp
0:00 Intro and five reasons setup
0:40 Reason 1 Rates and Jerome Powell
13:19 Reason 2 BlackRock investors and Wall Street villains
25:49 Reason 3 Builders profit and regulatory cost
42:00 Reason 4 Boomers silver tsunami and generational wealth
1:02:40 Reason 5 Bifurcated economy and K shaped recovery
1:17:00 Wheel and closing

All Source Doc -

https://docs.google.com/document/d/17...

Viewable Canva -

https://www.canva.com/design/DAG4BRa1...