Poors who never owned anything and will never do cry at the world
OP
What the frick is the end goal in all of this economic turmoil?
The car market is fricked; The housing market is fricked; Food prices are insane. Our salaries haven't changed. It's demoralizing to see Redditors who have houses talk about how great it is and that the housing market is never going to come back down. I don't think the car market will ever return to normal and I wouldn't doubt the housing market is the same way. But the price of a house and the salary of the average American is a large chasm.
Even in small, LCOL areas, I've seen people talk about corporations buying houses and driving up the prices. I'm beginning to see talks of entire neighborhoods of houses that are only for rent. Not rent to own. In theory, you shouldn't buy a house that is more than 3x your annual income. So a single person making $50kish a year has to find a house for $150k but where is that happening? I live in a low income, high crime area and the house I'm in is appraised at $175k so I can't afford to purchase the house I'm in.
I spend a lot of time wondering why I'm back in school, what's the purpose when most of my working life will be spent paying bills and putting the rest into a retirement fund that I likely will never use. With my prospective and current salaries, I won't have money to vacation, get a new car, etc. What's the point of all this then?
To get back to my title, what the frick is the end goal in this economic turmoil? 75% of us being homeless and living outside while corporations hoard houses? Moving to a new country likely won't help because I see many people in various countries talk about having the same issues.
The poor will start a war with each other rather than coming together to fight the rich.
Finally someone with some sense.
You will own nothing. You will live in the pod. You will eat the bug. And you will be happy.
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all over the comments.
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He should tip his landlord extra this year for providing him housing he couldn't otherwise afford.
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I'm literally renting now, but this forum has given me an appreciation for landlords I never could have anticipated. Thank you rdrama.
(And yep, funnily enough, I effectively did tip my landlord!)
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To be fair, he offered less, but I stuck to the original deal, so the word "tip" is used creatively here.
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Why?
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A deal's a deal.
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This is why goy should be enslaved unironically.
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Who said I'm a goy?
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If you're one of the chosen then you're a failure for giving away your hard earned capital like that.
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Alright, that's mildly less cucked than just giving away your money unprompted.
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I have no idea where he got that 3x your salary rule of thumb but it DEFINITELY doesn't apply when you're renting the exact same home because you're obviously paying way more than the mortgage costs anyways.
You're just too financially r-slurred to save up a down payment.
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Not only is it a common rule of thumb, but many larger rental firms require proof of income of 2.5x or 3x rent as part of the background check/application process.
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I think you're confused, i'm talking about buying.
If he's making 2.5x or 3x the rent then he can definitely afford the mortgage payment if it was a normal interest rate year and wasn't a wacky market rn
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Eh probably doesn't even have a 5% down payment so be sure to add PMI.
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My pmi is basically nothing, like 60$ a month or something, and when I bought my place they said they'd done stuff for 3% down payment (might be misremembering this idk was a while ago)
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Iirc rules got much more stringent after 2008. Not sure when you bought. That sounds awfully low for pmi though unless the loan amount is similarly small.
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Bought after 08, loan amount would be normal nowadays (literally average)
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/r/TipYourLandlord
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