quash said:
If only we had a party of limited government that would oppose capping credit card interest, limiting who can buy real estate, tampering with the Fed, usurping Congressional taxing authority...
And not invest in private companies
Why can't young people afford houses?
111,533 Views |
1378 Replies |
Last: 16 hrs ago by KaiBear
And not invest in private companies
JUST IN: You can now use buy now, pay later for your rent.
— Andrew Lokenauth | TheFinanceNewsletter.com (@FluentInFinance) February 6, 2026
Rent Now, Pay Later is a new option for renters where you pay a fee or a monthly subscription and if you miss a payment, interest rates go way up.
THIS IS VERY VERY BAD. pic.twitter.com/yMthndMQhg
lol Sky Lending for rent.
Redbrickbear said:Richard Nixon was raised in a Sears catalogue home his father built by hand. It's now illegal to build that same house.
— State Leadership Initiative (@RedStatesLead) January 30, 2026
All across this country the history that built this nation was outlawed for safetyism. That needs to end. https://t.co/AP0CDAUUHk pic.twitter.com/cfmQKtLkAk
This what. Reds to be talked about more.
People used to be able to build their own house or at least additions.
But now partly due to laws or codes it is nearly impossible to do that.
We could get into all the secondary stuff like people not being as well rounded in using tools, fixing things, materials cost more, modern homes have complicated systems, etc. but the bottom line is that every town (and many neighborhoods with HOAs) have codes, require permits, require workers to be licensed/insured and don't want to let people put up simple things like a shed or fence without PAYING the government first to do something on your land.
I sell tools for a living…to professional technicians…people who get paid to fix stuff.
Theres not a week that goes by that some guy doesn't bring me something that is easily fixed and say "this is broken I need to buy a new one".
If THOSE GUYS can't fix *very* basic stuff there's no hope the average American should be building their own home without inspections.
Anyone who thinks that's a good idea should spend 2 hours on Instagram watching home renovation videos. I've seen several people take out load bearing walls.
Theres not a week that goes by that some guy doesn't bring me something that is easily fixed and say "this is broken I need to buy a new one".
If THOSE GUYS can't fix *very* basic stuff there's no hope the average American should be building their own home without inspections.
Anyone who thinks that's a good idea should spend 2 hours on Instagram watching home renovation videos. I've seen several people take out load bearing walls.
nein51 said:
I sell tools for a living…to professional technicians…people who get paid to fix stuff.
Theres not a week that goes by that some guy doesn't bring me something that is easily fixed and say "this is broken I need to buy a new one".
If THOSE GUYS can't fix *very* basic stuff there's no hope the average American should be building their own home without inspections.
Anyone who thinks that's a good idea should spend 2 hours on Instagram watching home renovation videos. I've seen several people take out load bearing walls.
I don't say a word about no inspections.
I just said government codes/laws in other words regulations have made it to where it is next to impossible.
I also highlighted what you focused on with my paragraph about lower quality of tool knowledge.
My point still stands that the government has taken this option completely off the table.
Whether we are talking completely building your own home, to additions, many renovations, or even additions/renovations on your property.
cowboycwr said:nein51 said:
I sell tools for a living…to professional technicians…people who get paid to fix stuff.
Theres not a week that goes by that some guy doesn't bring me something that is easily fixed and say "this is broken I need to buy a new one".
If THOSE GUYS can't fix *very* basic stuff there's no hope the average American should be building their own home without inspections.
Anyone who thinks that's a good idea should spend 2 hours on Instagram watching home renovation videos. I've seen several people take out load bearing walls.
I don't say a word about no inspections.
I just said government codes/laws in other words regulations have made it to where it is next to impossible.
I also highlighted what you focused on with my paragraph about lower quality of tool knowledge.
My point still stands that the government has taken this option completely off the table.
Whether we are talking completely building your own home, to additions, many renovations, or even additions/renovations on your property.
Those codes exist for a reason. I wanted this house so badly a few years back. It was absolutely stunning. Designed and built by a very talented architect. It had so many code violations it couldn't pass an inspection so no loan could be take.
One of those violations was sliding glass doors that opened fully and left a drop of about 40'.
I think we should make permitting MUCH easier, I think anywhere you can eliminate the government you should but I don't want the average handyman building his own home or addition.
What I would prefer is that commercial home builders be held to a higher standard.
FTR, you can still build your own stuff if you simply move out of the city. There is no permit required for any building on our current property…which is how you get two 32x48 barns with pony boxes run off a box in the garage which is a pony box to the one in the basement.
Percentage of Americans who are married and own a home at age 30:
— Bitcoin Teddy (@Bitcoin_Teddy) February 9, 2026
1960: 52%
1970: 48%
1980: 45%
1990: 43%
2000: 35%
2010: 25%
2025: 12%
Insane. pic.twitter.com/Fz5epMZJpk
nein51 said:cowboycwr said:nein51 said:
I sell tools for a living…to professional technicians…people who get paid to fix stuff.
Theres not a week that goes by that some guy doesn't bring me something that is easily fixed and say "this is broken I need to buy a new one".
If THOSE GUYS can't fix *very* basic stuff there's no hope the average American should be building their own home without inspections.
Anyone who thinks that's a good idea should spend 2 hours on Instagram watching home renovation videos. I've seen several people take out load bearing walls.
I don't say a word about no inspections.
I just said government codes/laws in other words regulations have made it to where it is next to impossible.
I also highlighted what you focused on with my paragraph about lower quality of tool knowledge.
My point still stands that the government has taken this option completely off the table.
Whether we are talking completely building your own home, to additions, many renovations, or even additions/renovations on your property.
Those codes exist for a reason. I wanted this house so badly a few years back. It was absolutely stunning. Designed and built by a very talented architect. It had so many code violations it couldn't pass an inspection so no loan could be take.
One of those violations was sliding glass doors that opened fully and left a drop of about 40'.
I think we should make permitting MUCH easier, I think anywhere you can eliminate the government you should but I don't want the average handyman building his own home or addition.
What I would prefer is that commercial home builders be held to a higher standard.
FTR, you can still build your own stuff if you simply move out of the city. There is no permit required for any building on our current property…which is how you get two 32x48 barns with pony boxes run off a box in the garage which is a pony box to the one in the basement.
Again not what I was saying.
If it comes with step by step directions, pre built parts then people should be able to build it. Like the Sears home.
Not a guy just winging it in his backyard.
As to the "simply move out of the city" comment…… yes if one can afford to do that/has a job that allows that.
Which comes full circle to the start of this thread about house affordability and location. Young people cannot afford to do that.
cowboycwr said:nein51 said:cowboycwr said:nein51 said:
I sell tools for a living…to professional technicians…people who get paid to fix stuff.
Theres not a week that goes by that some guy doesn't bring me something that is easily fixed and say "this is broken I need to buy a new one".
If THOSE GUYS can't fix *very* basic stuff there's no hope the average American should be building their own home without inspections.
Anyone who thinks that's a good idea should spend 2 hours on Instagram watching home renovation videos. I've seen several people take out load bearing walls.
I don't say a word about no inspections.
I just said government codes/laws in other words regulations have made it to where it is next to impossible.
I also highlighted what you focused on with my paragraph about lower quality of tool knowledge.
My point still stands that the government has taken this option completely off the table.
Whether we are talking completely building your own home, to additions, many renovations, or even additions/renovations on your property.
Those codes exist for a reason. I wanted this house so badly a few years back. It was absolutely stunning. Designed and built by a very talented architect. It had so many code violations it couldn't pass an inspection so no loan could be take.
One of those violations was sliding glass doors that opened fully and left a drop of about 40'.
I think we should make permitting MUCH easier, I think anywhere you can eliminate the government you should but I don't want the average handyman building his own home or addition.
What I would prefer is that commercial home builders be held to a higher standard.
FTR, you can still build your own stuff if you simply move out of the city. There is no permit required for any building on our current property…which is how you get two 32x48 barns with pony boxes run off a box in the garage which is a pony box to the one in the basement.
Again not what I was saying.
If it comes with step by step directions, pre built parts then people should be able to build it. Like the Sears home.
Not a guy just winging it in his backyard.
As to the "simply move out of the city" comment…… yes if one can afford to do that/has a job that allows that.
Which comes full circle to the start of this thread about house affordability and location. Young people cannot afford to do that.
I have a roughly 3000 sq ft home with two 32x48 out buildings, 10 acres and a pool. It cost around $450,000. If it was 15 miles north it would have cost me 2.5 times that amount. I chose to move further out because this property is what I wanted. It's less convenient, we are in the middle of nowhere, but it's worth it.
We visit Miami multiple times a year. A house where I want to be is 7 figures. A house 20 miles from there can be had in the 400s. If we made the decision to move there I would have to live in a part of town I don't prefer or I would have to scale back to a 1BR condo.
You can't say "they can't afford X" while acknowledging is cheaper to change location and then say "they can't afford Y". What you're saying is "they WANT to be in the best part of town, in a house bigger than their parents have, with the best school districts…" which really does bring us full circle.
This is the most entitled generation in history. They don't want to put in any of the work or struggles their parents did. I don't blame them because I see this is as the result of participation trophy parenting.
Your parent's 900sq Ft starter home is this generation's apartment. This conversation is so ridiculous I had a 19 year old customer that makes $16/hr tell me about how he wanted to buy a house. What in the world does a 19 year old need to own a home for?
And given that IKEA had to make video instructions (because people were struggling with the drawn instructions) on how to put together a one drawer end table I don't trust virtually anyone to build their own home. You're ascribing a skill set that just doesn't exist. I would also argue that the amount of people willing to do that is probably a fraction of a fraction of 1%. You could likely allow that tomorrow and several dozen of those would be built in the next 5 years total.
Ironically, if you want to do this stuff, you need to be in Houston.
— VB Knives (@Empty_America) February 11, 2026
It looks "Blue" but the insane passion for regulation of absolutely everything makes it very hard to build anything of quality in such places.
Deep red states will just let you do it. https://t.co/dVX3GghYRk
nein51 said:cowboycwr said:nein51 said:cowboycwr said:nein51 said:
I sell tools for a living…to professional technicians…people who get paid to fix stuff.
Theres not a week that goes by that some guy doesn't bring me something that is easily fixed and say "this is broken I need to buy a new one".
If THOSE GUYS can't fix *very* basic stuff there's no hope the average American should be building their own home without inspections.
Anyone who thinks that's a good idea should spend 2 hours on Instagram watching home renovation videos. I've seen several people take out load bearing walls.
I don't say a word about no inspections.
I just said government codes/laws in other words regulations have made it to where it is next to impossible.
I also highlighted what you focused on with my paragraph about lower quality of tool knowledge.
My point still stands that the government has taken this option completely off the table.
Whether we are talking completely building your own home, to additions, many renovations, or even additions/renovations on your property.
Those codes exist for a reason. I wanted this house so badly a few years back. It was absolutely stunning. Designed and built by a very talented architect. It had so many code violations it couldn't pass an inspection so no loan could be take.
One of those violations was sliding glass doors that opened fully and left a drop of about 40'.
I think we should make permitting MUCH easier, I think anywhere you can eliminate the government you should but I don't want the average handyman building his own home or addition.
What I would prefer is that commercial home builders be held to a higher standard.
FTR, you can still build your own stuff if you simply move out of the city. There is no permit required for any building on our current property…which is how you get two 32x48 barns with pony boxes run off a box in the garage which is a pony box to the one in the basement.
Again not what I was saying.
If it comes with step by step directions, pre built parts then people should be able to build it. Like the Sears home.
Not a guy just winging it in his backyard.
As to the "simply move out of the city" comment…… yes if one can afford to do that/has a job that allows that.
Which comes full circle to the start of this thread about house affordability and location. Young people cannot afford to do that.
I have a roughly 3000 sq ft home with two 32x48 out buildings, 10 acres and a pool. It cost around $450,000. If it was 15 miles north it would have cost me 2.5 times that amount. I chose to move further out because this property is what I wanted. It's less convenient, we are in the middle of nowhere, but it's worth it.
We visit Miami multiple times a year. A house where I want to be is 7 figures. A house 20 miles from there can be had in the 400s. If we made the decision to move there I would have to live in a part of town I don't prefer or I would have to scale back to a 1BR condo.
You can't say "they can't afford X" while acknowledging is cheaper to change location and then say "they can't afford Y". What you're saying is "they WANT to be in the best part of town, in a house bigger than their parents have, with the best school districts…" which really does bring us full circle.
This is the most entitled generation in history. They don't want to put in any of the work or struggles their parents did. I don't blame them because I see this is as the result of participation trophy parenting.
Your parent's 900sq Ft starter home is this generation's apartment. This conversation is so ridiculous I had a 19 year old customer that makes $16/hr tell me about how he wanted to buy a house. What in the world does a 19 year old need to own a home for?
And given that IKEA had to make video instructions (because people were struggling with the drawn instructions) on how to put together a one drawer end table I don't trust virtually anyone to build their own home. You're ascribing a skill set that just doesn't exist. I would also argue that the amount of people willing to do that is probably a fraction of a fraction of 1%. You could likely allow that tomorrow and several dozen of those would be built in the next 5 years total.
Again you are taking what I said and twisting it around.
As I have said from the beginning of this thread.
The FACTS don't stand up to your and others hyperbole and anecdotal evidence. Younger people- 40 and under- do not own homes at the same rate as any generation before them. That is fact.
It had nothing to do with being lazy, entitled, living beyond means, etc.
Yes that can apply to some but not all. Even if it were true for some the numbers should be higher of those that own a home.
The facts show that it isn't just people wanting homes to be a certain size, in a specific spot, etc. that keeps them from buying but rather not being able to afford a house in SAFE areas.
The facts in this thread have also shown how the idea of a "starter" home is not ideal. Many people in the greatest generation or earlier generations lived in one house. They didn't move.
Your last paragraph shows the ridiculous nature of the argument from you and others that blame the lack of home ownership as the generation being lazy or some such. A 19year old can have a dream of home ownership. And that is a good dream. Yes at $16 an hour it isn't going to happen.
But remember not everyone goes to college. Some go straight into work force or only do a year or two of trade school. And start families young.
So to dismiss someone that wants to own a home because of their age is just silly.
Edit- sorry if any of this came across as mean or harsh. Today was a rough day.
nein51 said:cowboycwr said:nein51 said:cowboycwr said:nein51 said:
I sell tools for a living…to professional technicians…people who get paid to fix stuff.
Theres not a week that goes by that some guy doesn't bring me something that is easily fixed and say "this is broken I need to buy a new one".
If THOSE GUYS can't fix *very* basic stuff there's no hope the average American should be building their own home without inspections.
Anyone who thinks that's a good idea should spend 2 hours on Instagram watching home renovation videos. I've seen several people take out load bearing walls.
I don't say a word about no inspections.
I just said government codes/laws in other words regulations have made it to where it is next to impossible.
I also highlighted what you focused on with my paragraph about lower quality of tool knowledge.
My point still stands that the government has taken this option completely off the table.
Whether we are talking completely building your own home, to additions, many renovations, or even additions/renovations on your property.
Those codes exist for a reason. I wanted this house so badly a few years back. It was absolutely stunning. Designed and built by a very talented architect. It had so many code violations it couldn't pass an inspection so no loan could be take.
One of those violations was sliding glass doors that opened fully and left a drop of about 40'.
I think we should make permitting MUCH easier, I think anywhere you can eliminate the government you should but I don't want the average handyman building his own home or addition.
What I would prefer is that commercial home builders be held to a higher standard.
FTR, you can still build your own stuff if you simply move out of the city. There is no permit required for any building on our current property…which is how you get two 32x48 barns with pony boxes run off a box in the garage which is a pony box to the one in the basement.
Again not what I was saying.
If it comes with step by step directions, pre built parts then people should be able to build it. Like the Sears home.
Not a guy just winging it in his backyard.
As to the "simply move out of the city" comment…… yes if one can afford to do that/has a job that allows that.
Which comes full circle to the start of this thread about house affordability and location. Young people cannot afford to do that.
I have a roughly 3000 sq ft home with two 32x48 out buildings, 10 acres and a pool. It cost around $450,000. If it was 15 miles north it would have cost me 2.5 times that amount. I chose to move further out because this property is what I wanted. It's less convenient, we are in the middle of nowhere, but it's worth it.
We visit Miami multiple times a year.
This is the most entitled generation in history. They don't want to put in any of the work or struggles their parents did. I don't blame them because I see this is as the result of participation trophy parenting.
This conversation is so ridiculous I had a 19 year old customer that makes $16/hr tell me about how he wanted to buy a house. What in the world does a 19 year old need to own a home for?
A. Good for you. Well done.
B. Where in Miami ? Have yet to find an area worth visiting at night.
C. True, very entitled. And extremely ANGRY they don't have want they want NOW. Good point about participation trophy parenting. To be honest we were guilty of that to a point.
D, Don't see anything wrong with a 19 year old willing work towards owning a home. Gotta have goals.