No it's not. 470k financed at 7.5% is 3300 a month plus 1200 taxes and add insurance, you're bordering on 5k


You're making it seem like 3900 is affordable. The median income is 75k a year. That's 5k a month after taxes


My house was 1400 a month 10 years ago. House payments have tripled. TRIPLED while incomes have barely gone up

Something to keep in mind is location. All the cool places to live like major cities, you can get fuct on 80k a year. You'll need double that. But if you're willing to live in smaller towns, it's more doable.

Small towns don't have income opportunities

First off, he rate on a 30 year today is 6.5
Taxes in Illinois is 2.07 so it’s more like $11700 annually

I am not trying to say one way or another. What I am calling out is your numbers (the facts) are incorrect in order for you to support your narrative.

Yes housing has gone up. So stfu and stack paper if you want a house. Times have changed. Control your own destiny based on the variables.

What’s the alternative? Sir around and cry about it?

Comparing now to the 80s, 90s, 00s make sense because it's a realistic time frame that shows the rapid downfall. 90s you hardly needed a degree. And those who did get a degree lived pretty damn comfortable. Older college graduates keep thinking everything is gravy once you get a degree but fail to realize the entire landscape has changed. Now? Even a degree doesn't do much today. It's almost like new graduates are getting scammed.


The game is different now. When you compare 2024 to 2004, it gives you a great look at how living standards have gone to chit. It also gives everyone who lived during those times something to compare and it's a realistic outlook.

So what's next? Everyone is gonna have to get their masters? After that is saturated, is a PHD the new minimal requirement??

The problem with your post is that you're ignoring how society constantly repeats "Go to college." to every Elementary, Middle schooler and Highschooler. Parents said this, boomers said this, politicians said this. So why shouldn't college guarantee a comfortable life for average people? That was very well the case 20 - 30 years ago which is why so older folks keep repeating that same sentiment. The older generation hasn't realized the game has changed.

And no, a go getter mentality shouldn't be required to live comfortable. Not everyone has that mentality. Go to college, get decent grades, network some, find a good company and do all the work to satisfactory. that should all be enough for a comfortable average life.

Go getters mentality should be reserved for those who want to be upper middle class.

Did you read my post? Kids and Teenagers don't know anything about 'personal journey'. The only thing they understand is what their Teachers, parents, and coaches tell them. And that's to go to college because you get the American dream of a house and white picket fence. What the adults don't realize is that has since changed and became harder to obtain. You can't be average anymore, you need that go getter mindset.

Not every kid or teenage will be some leader who can make their own decision.

the American Dream is less than a century old…give it some time to adjust

Something to keep in mind is location. All the cool places to live like major cities, you can get fuct on 80k a year. You'll need double that. But if you're willing to live in smaller towns, it's more doable.

imgur is blocked at work so…

imgur is blocked at work so…