You don’t see neighborhoods like this anymore because most young parents don’t own homes. Less than 5% of mortgage holders are under 30 in major metros, and the average homeowner is over 50.

That’s why most neighborhoods or suburbs feel empty, they’re owned by older people whose… https://t.co/CizSaZA9mG

— X (@XaviercMiller) October 31, 2025

nein51 said:

---

You don't see neighborhoods like that because the media spent the 80s and 90s telling people how dangerous this was and kids were getting snatched by the minute (which of course wasn't true).

Couple that with declines in birth rates and the suburbs don't look like they used to.

Kind of like how you don't see kids in window cages like you did in NYC in the 1940s.

---

Yup. Young people today also don't have the same priorities. Most young people spend their 20's and early 30's doing their thing, they have kids later. Older parents do not do the same things younger parents do.

Setting up a narrative to get older people out of their houses, at a loss as many have mortgages that are equal to the value they can get. These older people worked their entire lives for their piece of the American dream. Younger generations have to figure their way, just like every generation does.

boognish_bear said:

---

Your house is NOT an asset. pic.twitter.com/kWrb5RLAN5

— Spencer Hakimian (@SpencerHakimian) October 30, 2025

---

True if you get the right stocks. But if you don't you can lose a lot. House prices rarely drop, especially if you maintain it.

You can also get stocks that are so slowly consistent that the return is not much.

It's being shown vs buying S&P500 index.

Your house is still definitely an asset and for most Americans it makes up a big chunk of their wealth.

It's a good investment vehicle…it's terrible as your only investment vehicle.

nein51 said:

---

You don't see neighborhoods like that because the media spent the 80s and 90s telling people how dangerous this was and kids were getting snatched by the minute (which of course wasn't true).

Couple that with declines in birth rates and the suburbs don't look like they used to.

Kind of like how you don't see kids in window cages like you did in NYC in the 1940s.

---

Add in the stories of candy laced with drugs (which never made sense as what drug dealer would spend so much of their inventory putting it into candy for kids who would not become buyers) or razor blades, or poison or other things and people only go to certain neighborhoods or the houses of people they know.

On the stories that happened that I think reduce the amount of trick or treaters were the stories of fights, shootings, etc. that happened but were not on epidemic levels. Just they happened more on Halloween because all the kids and teens were out.

nein51 said:

---

It's being shown vs buying S&P500 index.

Your house is still definitely an asset and for most Americans it makes up a big chunk of their wealth.

It's a good investment vehicle…it's terrible as your only investment vehicle.

---

True. But how much can the average person invest in those stocks when they can often be priced very high?

cowboycwr said:

---

nein51 said:

---

It's being shown vs buying S&P500 index.

Your house is still definitely an asset and for most Americans it makes up a big chunk of their wealth.

It's a good investment vehicle…it's terrible as your only investment vehicle.

---

True. But how much can the average person invest in those stocks when they can often be priced very high?

---

They buy partial shares via index funds.

nein51 said:

---

It's being shown vs buying S&P500 index.

Your house is still definitely an asset and for most Americans it makes up a big chunk of their wealth.

It's a good investment vehicle…it's terrible as your only investment vehicle.

---

Also, housing is an expense. You are always going to have housing costs be in as low as taxes or as high as an ACLF. Depending on your residence as an investment vehicle doesn't take into account without it you still have to pay for housing.

FLBear5630 said:

---

nein51 said:

---

It's being shown vs buying S&P500 index.

Your house is still definitely an asset and for most Americans it makes up a big chunk of their wealth.

It's a good investment vehicle…it's terrible as your only investment vehicle.

---

Also, housing is an expense. You are always going to have housing costs be in as low as taxes or as high as an ACLF. Depending on your residence as an investment vehicle doesn't take into account without it you still have to pay for housing.

---

the house you live in is never a good investmennt choice for building useful retirement wealth.

Its not accessible unless you do a HELOC so fees are required to access it or sell it and then you dont have it

America has a housing crisis in large part because (a) local governments control land use policy, and (b) homeowners over the age of 65 who dislike neighborhood change are WILDLY overrepresented in the electorate for off-cycle local government races. https://t.co/7p6C7IBl5Z pic.twitter.com/MrH6s6rR8q

— Max Dubler 🏳️‍🌈 (@maxdubler) November 1, 2025

FLBear5630 said:

---

nein51 said:

---

It's being shown vs buying S&P500 index.

Your house is still definitely an asset and for most Americans it makes up a big chunk of their wealth.

It's a good investment vehicle…it's terrible as your only investment vehicle.

---

Also, housing is an expense. You are always going to have housing costs be in as low as taxes or as high as an ACLF. Depending on your residence as an investment vehicle doesn't take into account without it you still have to pay for housing.

---

That means you also have to figure the costs of maintenance/repair when analyzing value. Ie if you paid $100,000 but put in $50,000 over 10 years then selling at $200,000 netted $50,000 not $100,000. If that makes sense.

nein51 said:

---

FLBear5630 said:

---

nein51 said:

---

It's being shown vs buying S&P500 index.

Your house is still definitely an asset and for most Americans it makes up a big chunk of their wealth.

It's a good investment vehicle…it's terrible as your only investment vehicle.

---

Also, housing is an expense. You are always going to have housing costs be in as low as taxes or as high as an ACLF. Depending on your residence as an investment vehicle doesn't take into account without it you still have to pay for housing.

---

That means you also have to figure the costs of maintenance/repair when analyzing value. Ie if you paid $100,000 but put in $50,000 over 10 years then selling at $200,000 netted $50,000 not $100,000. If that makes sense.

---

Yes it does. You have to look at the total cost, it is not just what you buy and what you sell at. Incorporated that over 20 years, it isn't quite the return people think.

cowboycwr said:

---

boognish_bear said:

---

Your house is NOT an asset. pic.twitter.com/kWrb5RLAN5

— Spencer Hakimian (@SpencerHakimian) October 30, 2025

---

True if you get the right stocks. But if you don't you can lose a lot. House prices rarely drop, especially if you maintain it.

You can also get stocks that are so slowly consistent that the return is not much.

---

X post is a false dilemma. You have to have a place to live. In most cases, it's better to rent from yourself, build equity, and ride inflation of value upwards rather than ride the inflation of rents upwards.

The US housing market is frozen:

Only 28 out of every 1,000 homes, or 2.8%, changed hands in the first 9 months of 2025, the least in at least 30 years.

The turnover rate has declined -38% since the 2021 peak, when 44 out of every 1,000 homes were sold.

By comparison, the rate… pic.twitter.com/949d0RpldR

— The Kobeissi Letter (@KobeissiLetter) November 2, 2025

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.




Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.




Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

LOL
"....there are lies, damned lies, and then there are statistics...."
-Sam Rayburn

How does China report 90% home ownership rate when the government owns all the land? Easy. They expropriate all the property, build millions more apartment units than they need, then finance the sale of rental units to tenants (a de facto tax on them) and ....voila,,,,,call it home ownership. But is it....really?

The problem we have is the same that Singapore has - supply-demand imbalance. Too many people, not enough places for them to live. Costs soar, pricing out entry-level buyers.

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

nein51 said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

---

You also have to put pressure on the older population to sell their homes and downsize....selling those homes to the young so they can start families.

Be it Waco or Dallas or anywhere else you would be shocked how many 75-80 year olds are sitting in 5,000-6,000 square foot homes that they don't use but two rooms of......sitting in the best school districts where families could be living and being used by children.

But of course Texas is doing away with property taxes and no one is politically going to put pressure on the olds to sell their homes.

And to make matters worse in a lot of States and cities they make it hard to even build new housing

Redbrickbear said:

---

nein51 said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

---

You also have to put pressure on the older population to sell their homes and downsize....selling those homes to the young so they can start families.

Be it Waco or Dallas or anywhere else you would be shocked how many 75-80 year olds are sitting in 5,000-6,000 square foot homes that they don't use but two rooms of......sitting in the best school districts where families could be living and being used by children.

But of course Texas is doing away with property taxes and no one is politically going to put pressure on the olds to sell their homes.

And to make matters worse in a lot of States and cities they make it hard to even build new housing

---

This logic makes no sense at all to me. Like a 24 yr old can afford a 5,000 sq ft house?

Why should grandparents or forced to sell their home? I mean you don't need anything more than a trabant to get to work. That's a real slippery slope I sort of hate.

nein51 said:

---

Redbrickbear said:

---

nein51 said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

---

You also have to put pressure on the older population to sell their homes and downsize....selling those homes to the young so they can start families.

Be it Waco or Dallas or anywhere else you would be shocked how many 75-80 year olds are sitting in 5,000-6,000 square foot homes that they don't use but two rooms of......sitting in the best school districts where families could be living and being used by children.

But of course Texas is doing away with property taxes and no one is politically going to put pressure on the olds to sell their homes.

And to make matters worse in a lot of States and cities they make it hard to even build new housing

---

This logic makes no sense at all to me. Like a 24 yr old can afford a 5,000 sq ft house?

Why should grandparents or forced to sell their home? I mean you don't need anything more than a trabant to get to work. That's a real slippery slope I sort of hate.

---

1. More like its the 40 year old with kids then buying that 5,000 sq ft house....and raising their kids there.

And then the smaller house the 40 year olds had can be bought by the 28 year old newly weds to hopefully have a baby in....

2. Its a supply issue....you either build new housing....everywhere and at speed and for cheap....or you have to put economic pressure on the olds to sell.

If not....you get the current situation in the Western world (USA, UK, Canada) were home prices sky rocket and young people can't buy homes. So they delay family formation and having kids.

So you pressure the olds to sell, build like its post WWII boom, or prepare for Mamdani style leftism to take power as the young people give up on capitalism and for the population craters due to lack of kids being born.

Reporter: This is really crazy. The median age of first-time home buyers is 40 years old. That's a shocking number. That's a record high. And by the way, in 2021, that number was 33 years old. It's a huge problem pic.twitter.com/KdmjXozMoT

— FactPost (@factpostnews) November 6, 2025

nein51 said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

---

i agree with this.

Redbrickbear said:

---

nein51 said:

---

Redbrickbear said:

---

nein51 said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

---

You also have to put pressure on the older population to sell their homes and downsize....selling those homes to the young so they can start families.

Be it Waco or Dallas or anywhere else you would be shocked how many 75-80 year olds are sitting in 5,000-6,000 square foot homes that they don't use but two rooms of......sitting in the best school districts where families could be living and being used by children.

But of course Texas is doing away with property taxes and no one is politically going to put pressure on the olds to sell their homes.

And to make matters worse in a lot of States and cities they make it hard to even build new housing

---

This logic makes no sense at all to me. Like a 24 yr old can afford a 5,000 sq ft house?

Why should grandparents or forced to sell their home? I mean you don't need anything more than a trabant to get to work. That's a real slippery slope I sort of hate.

---

1. More like its the 40 year old with kids then buying that 5,000 sq ft house....and raising their kids there.

And then the smaller house the 40 year olds had can be bought by the 28 year old newly weds to hopefully have a baby in....

2. Its a supply issue....you either build new housing....everywhere and at speed and for cheap....or you have to put economic pressure on the olds to sell.

If not....you get the current situation in the Western world (USA, UK, Canada) were home prices sky rocket and young people can't buy homes. So they delay family formation and having kids.

So you pressure the olds to sell, build like its post WWII boom, or prepare for Mamdani style leftism to take power as the young people give up on capitalism and for the population craters due to lack of kids being born.

---

You just said they need pressure to sell because they don't need it. Unless you have a family of 8 you don't need 5,000 sq ft.

Should I be pressured to sell because I don't need all 10 of my acres? There are rooms in my home I don't step foot in 1x a month.

nein51 said:

---

Redbrickbear said:

---

nein51 said:

---

Redbrickbear said:

---

nein51 said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

---

You also have to put pressure on the older population to sell their homes and downsize....selling those homes to the young so they can start families.

Be it Waco or Dallas or anywhere else you would be shocked how many 75-80 year olds are sitting in 5,000-6,000 square foot homes that they don't use but two rooms of......sitting in the best school districts where families could be living and being used by children.

But of course Texas is doing away with property taxes and no one is politically going to put pressure on the olds to sell their homes.

And to make matters worse in a lot of States and cities they make it hard to even build new housing

---

This logic makes no sense at all to me. Like a 24 yr old can afford a 5,000 sq ft house?

Why should grandparents or forced to sell their home? I mean you don't need anything more than a trabant to get to work. That's a real slippery slope I sort of hate.

---

1. More like its the 40 year old with kids then buying that 5,000 sq ft house....and raising their kids there.

And then the smaller house the 40 year olds had can be bought by the 28 year old newly weds to hopefully have a baby in....

2. Its a supply issue....you either build new housing....everywhere and at speed and for cheap....or you have to put economic pressure on the olds to sell.

If not....you get the current situation in the Western world (USA, UK, Canada) were home prices sky rocket and young people can't buy homes. So they delay family formation and having kids.

So you pressure the olds to sell, build like its post WWII boom, or prepare for Mamdani style leftism to take power as the young people give up on capitalism and for the population craters due to lack of kids being born.

---

You just said they need pressure to sell because they don't need it. Unless you have a family of 8 you don't need 5,000 sq ft.

Should I be pressured to sell because I don't need all 10 of my acres? There are rooms in my home I don't step foot in 1x a month.

---

I use pressure in the traditional real estate way

A older couple getting various tax and financial incentives has no reason to sell a large house and downsize

I think couples with 3-4 small children should get massive tax breaks on real estate.

Old couples should not

Hungary just abolished personal taxes for mothers of 4 for instance

[Mothers with four or more children: Now fully exempt from personal income tax for life]

FLBear5630 said:

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whiterock said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.




Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

LOL
"....there are lies, damned lies, and then there are statistics...."
-Sam Rayburn

How does China report 90% home ownership rate when the government owns all the land? Easy. They expropriate all the property, build millions more apartment units than they need, then finance the sale of rental units to tenants (a de facto tax on them) and ....voila,,,,,call it home ownership. But is it....really?

The problem we have is the same that Singapore has - supply-demand imbalance. Too many people, not enough places for them to live. Costs soar, pricing out entry-level buyers.

---

You know, just believe what you want. Property laws exist all over. You think you own the land you live on, that the US really doesn't own it? Try and buy in Hawaii. Let's see how much you own it when the Government needs or wants it.

But, it is really a waste of time trying to talk to you, as you are always right, even when you are not...

---

You could drive up homeownership in your city today if you wanted to. Just give all the section 8 housing to the tenants and be done with it. Figure up the future value of the rent they're paying, having them sign a note in that amount and start receiving debt service payments instead of rent. You'll add a receivable to your balance sheet and avoid all the income statement expenses for maintenance. It would help local governments, too, as government properties are exempt from ad valorem taxes = transferring ownership to tenants creates a whole bunch of new tax base for state & local governments.

And you can brag about how much you did to improve home ownership!

Then, 10 years down the road, you'll have another opportunity to look like a statesman. Most of the properties will have have been sold to corporate entities, which will be in financial distress over vacancy and/or non-payment of rents. You can step in and "save homeownership" with any of a wide range of government actions to save the real estate market and homeownership from systemic oppressors, to include a buy-back of all formerly government owned properties. Who'll notice a few hundred billions of dollars of new debt? You kept all the poor people from becoming homeless. You'll be a hero. Guarantee it.

"Sometimes it seems as if there are more solutions than problems. On closer scrutiny, it turns out that many of today's problems are a result of yesterday's solutions."
-Thomas Sowell

supply/demand drives pricing.

15-18% of Manhattan real estate purchases are made by foreign buyers.
Meanwhile, here we sit discussing why 30 year old New Yorkers cannot afford to purchase a home.

This is not a hard problem to fix.
Cut taxes.
Cut regulation.
Build more residences.
Limit foreign purchases of real estate.

Or.

Just let free markets punish big cities with bad policies by siphoning people away to more affordable places to live.

Redbrickbear said:

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nein51 said:

---

Redbrickbear said:

---

nein51 said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

---

You also have to put pressure on the older population to sell their homes and downsize....selling those homes to the young so they can start families.

Be it Waco or Dallas or anywhere else you would be shocked how many 75-80 year olds are sitting in 5,000-6,000 square foot homes that they don't use but two rooms of......sitting in the best school districts where families could be living and being used by children.

But of course Texas is doing away with property taxes and no one is politically going to put pressure on the olds to sell their homes.

And to make matters worse in a lot of States and cities they make it hard to even build new housing

---

This logic makes no sense at all to me. Like a 24 yr old can afford a 5,000 sq ft house?

Why should grandparents or forced to sell their home? I mean you don't need anything more than a trabant to get to work. That's a real slippery slope I sort of hate.

---

1. More like its the 40 year old with kids then buying that 5,000 sq ft house....and raising their kids there.

And then the smaller house the 40 year olds had can be bought by the 28 year old newly weds to hopefully have a baby in....

2. Its a supply issue....you either build new housing....everywhere and at speed and for cheap....or you have to put economic pressure on the olds to sell.

If not....you get the current situation in the Western world (USA, UK, Canada) were home prices sky rocket and young people can't buy homes. So they delay family formation and having kids.

So you pressure the olds to sell, build like its post WWII boom, or prepare for Mamdani style leftism to take power as the young people give up on capitalism and for the population craters due to lack of kids being born.

---

I don't understand. In your scenario, there are 3 parties, not 2. Older and younger folks sell their homes. Older moves smaller. Younger moves bigger. Where is the house for the 3rd couple you reference?

sombear said:

---

Redbrickbear said:

---

nein51 said:

---

Redbrickbear said:

---

nein51 said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

---

You also have to put pressure on the older population to sell their homes and downsize....selling those homes to the young so they can start families.

Be it Waco or Dallas or anywhere else you would be shocked how many 75-80 year olds are sitting in 5,000-6,000 square foot homes that they don't use but two rooms of......sitting in the best school districts where families could be living and being used by children.

But of course Texas is doing away with property taxes and no one is politically going to put pressure on the olds to sell their homes.

And to make matters worse in a lot of States and cities they make it hard to even build new housing

---

This logic makes no sense at all to me. Like a 24 yr old can afford a 5,000 sq ft house?

Why should grandparents or forced to sell their home? I mean you don't need anything more than a trabant to get to work. That's a real slippery slope I sort of hate.

---

1. More like its the 40 year old with kids then buying that 5,000 sq ft house....and raising their kids there.

And then the smaller house the 40 year olds had can be bought by the 28 year old newly weds to hopefully have a baby in....

2. Its a supply issue....you either build new housing....everywhere and at speed and for cheap....or you have to put economic pressure on the olds to sell.

If not....you get the current situation in the Western world (USA, UK, Canada) were home prices sky rocket and young people can't buy homes. So they delay family formation and having kids.

So you pressure the olds to sell, build like its post WWII boom, or prepare for Mamdani style leftism to take power as the young people give up on capitalism and for the population craters due to lack of kids being born.

---

I don't understand. In your scenario, there are 3 parties, not 2. Older and younger folks sell their homes. Older moves smaller. Younger moves bigger. Where is the house for the 3rd couple you reference?

---

3 couples....very young newly wed types, established child raising family, older post retirement couple.

In a normal and healthy economic relationship there are starter homes in nice areas available because the more established couples are moving up to bigger homes. The retire couples are selling their larger homes to make way and downsizing to condos and garden homes.

That is the 3 couple scenario

Young couples have to be able to get a house so they will get married and start a family

Middle age couples want more space and need to be in a good school district once the kids are in elementary school.

Old retired folks don't need massive houses in the best school districts sitting mostly empty...and of course not using the schools

Redbrickbear said:

---

sombear said:

---

Redbrickbear said:

---

nein51 said:

---

Redbrickbear said:

---

nein51 said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

---

You also have to put pressure on the older population to sell their homes and downsize....selling those homes to the young so they can start families.

Be it Waco or Dallas or anywhere else you would be shocked how many 75-80 year olds are sitting in 5,000-6,000 square foot homes that they don't use but two rooms of......sitting in the best school districts where families could be living and being used by children.

But of course Texas is doing away with property taxes and no one is politically going to put pressure on the olds to sell their homes.

And to make matters worse in a lot of States and cities they make it hard to even build new housing

---

This logic makes no sense at all to me. Like a 24 yr old can afford a 5,000 sq ft house?

Why should grandparents or forced to sell their home? I mean you don't need anything more than a trabant to get to work. That's a real slippery slope I sort of hate.

---

1. More like its the 40 year old with kids then buying that 5,000 sq ft house....and raising their kids there.

And then the smaller house the 40 year olds had can be bought by the 28 year old newly weds to hopefully have a baby in....

2. Its a supply issue....you either build new housing....everywhere and at speed and for cheap....or you have to put economic pressure on the olds to sell.

If not....you get the current situation in the Western world (USA, UK, Canada) were home prices sky rocket and young people can't buy homes. So they delay family formation and having kids.

So you pressure the olds to sell, build like its post WWII boom, or prepare for Mamdani style leftism to take power as the young people give up on capitalism and for the population craters due to lack of kids being born.

---

I don't understand. In your scenario, there are 3 parties, not 2. Older and younger folks sell their homes. Older moves smaller. Younger moves bigger. Where is the house for the 3rd couple you reference?

---

3 couples....very young newly wed types, established child raising family, older post retirement couple.

In a normal and healthy economic relationship there are starter homes in nice areas available because the more established couples are moving up to bigger homes. The retire couples are selling their larger homes to make way and downsizing to condos and garden homes.

That is the 3 couple scenario

Young couples have to be able to get a house so they will get married and start a family

Middle age couples want more space and need to be in a good school district once the kids are in elementary school.

Old retired folks don't need massive houses in the best school districts sitting mostly empty...and of course not using the schools

---

But the old and one of the youngs are just swapping homes. My question is how does that open up a home for a third? Or said another way, how does an old couple staying in their home rather than moving to a smaller home make more homes available?

sombear said:

---

Redbrickbear said:

---

sombear said:

---

Redbrickbear said:

---

nein51 said:

---

Redbrickbear said:

---

nein51 said:

---

FLBear5630 said:

---

whiterock said:

---

FLBear5630 said:

---

Redbrickbear said:

---

Here is Peter Thiel’s email to Zuck and Andreessen in Jan-2020 predicting socialism.

Tl;dr too much student debt and lack of affordable housing keeps young people with negative capital for too long. And without a stake in the capitalist system, they will turn against it. pic.twitter.com/BOKgwJ2cV0

— Chamath Palihapitiya (@chamath) November 5, 2025

---

Good points.

I know, they made poor choices.

---

what socialist country has higher home ownership rates for young people than we do?

---

Do you really want to go there? The US does not have high home ownership rates compared to most Nations. Actually, here is an article from CEOMagazine, the US is 172 in homeownership. Albania is #1.

1, 2, 3 ... Changing the metrics so you are right should start in about 4 minutes.
Ranked: Countries with the most (and least) home ownership rate, 2025 - CEOWORLD magazine

---

Would need to see how they determine "home ownership". Many euros buy apartments, that's not a "thing" in the US outside of Miami/NY and a few other places.

For sure, however, part of how you get where we are now is disaffected youth. I don't think the answer is all that hard. You tax rental income at a very high rate. Have you make people really think hard about keeping the home they paid off as rental income rather than selling it.

We also need to ban foreign investment in real estate (and farmland) and eliminate investment groups like Blackrock buying entire blocks of homes.

I'm all for an average guy renting the home he paid off but I couldn't be more against a large conglomerate buying up all the homes in an area for rental properties.

---

You also have to put pressure on the older population to sell their homes and downsize....selling those homes to the young so they can start families.

Be it Waco or Dallas or anywhere else you would be shocked how many 75-80 year olds are sitting in 5,000-6,000 square foot homes that they don't use but two rooms of......sitting in the best school districts where families could be living and being used by children.

But of course Texas is doing away with property taxes and no one is politically going to put pressure on the olds to sell their homes.

And to make matters worse in a lot of States and cities they make it hard to even build new housing

---

This logic makes no sense at all to me. Like a 24 yr old can afford a 5,000 sq ft house?

Why should grandparents or forced to sell their home? I mean you don't need anything more than a trabant to get to work. That's a real slippery slope I sort of hate.

---

1. More like its the 40 year old with kids then buying that 5,000 sq ft house....and raising their kids there.

And then the smaller house the 40 year olds had can be bought by the 28 year old newly weds to hopefully have a baby in....

2. Its a supply issue....you either build new housing....everywhere and at speed and for cheap....or you have to put economic pressure on the olds to sell.

If not....you get the current situation in the Western world (USA, UK, Canada) were home prices sky rocket and young people can't buy homes. So they delay family formation and having kids.

So you pressure the olds to sell, build like its post WWII boom, or prepare for Mamdani style leftism to take power as the young people give up on capitalism and for the population craters due to lack of kids being born.

---

I don't understand. In your scenario, there are 3 parties, not 2. Older and younger folks sell their homes. Older moves smaller. Younger moves bigger. Where is the house for the 3rd couple you reference?

---

3 couples....very young newly wed types, established child raising family, older post retirement couple.

In a normal and healthy economic relationship there are starter homes in nice areas available because the more established couples are moving up to bigger homes. The retire couples are selling their larger homes to make way and downsizing to condos and garden homes.

That is the 3 couple scenario

Young couples have to be able to get a house so they will get married and start a family

Middle age couples want more space and need to be in a good school district once the kids are in elementary school.

Old retired folks don't need massive houses in the best school districts sitting mostly empty...and of course not using the schools

---

But the old and one of the youngs are just swapping homes. My question is how does that open up a home for a third? Or said another way, how does an old couple staying in their home rather than moving to a smaller home make more homes available?

---

A would say a condo or garden home (traditional downsize for older couples) are not the traditional house that the newly wed couple would be buying.

But either way.....I acknowledge that the housing problem is never going to go away until cities and States start letting more housing stock be built.

More options of home types and in more places.