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this post was submitted on 03 Feb 2024
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I did the math and it would take me roughly 90 years to pay off a 2 bedroom fixer-upper.
Surprise twist, said fixer-upper is the place I rent currently.
Double surprise twist, I pay more in rent then the mortgage for this place, but don't qualify to buy my own.
I'm stuck in the renters purgatory.
There are more twists still, but those are too personal.
You're paying for someone else's house.
LaNdLoRdS pRoViDe A sErViCe ThOuGh!
I love it whenever some bootlicker unironically uses this as a talking point. "Who else is gonna rent you an apartment if there was no landlords???" Like, that's kind of the whole point, chief lol.
I'm not sure where you live and how it works, but around here, mortgages can be significantly cheaper than rent. By several hundred dollars. Admittedly, this is not a desirable place to live, but you're talking $1000/mo mortgage vs. $1300-1500/mo rent of a house the same size.
Where?
Explain how the rent is more than a mortgage if it would take you 90 years to pay it off
I'd still have to pay rent while saving for a down payment. That's an easy $2500-$3400 a month with other cost of living expenses, retirement/savings, all while trying to save up a $120,000 down payment. Small homes start around $1M here.
If you don't make 6-figures here, the city will drain your bank and spit you out.
I live in a 1,200 sqft 2-bedroom house and it cost me $60k at the height of the market. It's not even a fixer-upper.
You just think you're entitled to live in places you can't afford.
That's awesome. Mine is a 1,400 sqft 2-bedroom valued at $1.2M. My landlord hasn't raised rent in 7 years so I'm paying under market. (Don't tell them)
Our city has a real big problem over here with homelessness. Downsizing isn't the solution it used to be when single/studios are roughly equal or more expensive than 70yo homes.
Have you considered moving somewhere where demand is lower and supply is higher?
These would result in cheaper prices, but you'll have to get over your entitlement.
People can’t move for a variety of reasons. Job. Family. Plus it costs a shit ton to move sometimes, especially if you’re moving far away. Seems like you’re the one being entitled. ‘Just move!’ has big ‘if they don’t like the country, they should just leave!’ energy.
Also, often there’s a lot of availability and cheap houses in certain places because the local economy is shit and so there aren’t any jobs.
The sheer "entitlement" of
The "just move" crowd is so weird to me.
They're not weird they're spoiled as fuck
Why should you get access to things you can't afford while other people do not?
The whole point is that "just move" is certainly not a silver bullet, it should not be a thing at all, and it can be literally impossible for some people. What we need is rules against people being extortet out of their money via rent. Because that is what "not being able to afford" a place that you could afford previously is.
Well, good luck waiting for that to happen.
Well with that attitude nothing is ever gonna get better
It doesn't matter what attitude we have unless there is a massive cultural shift.
And you think sitting back and letting everything just happen is going to cause that cultural shift?
No, why would you think that?
My point from the very beginning has been to take matters into your own hands. Don't sit around and wait for other people to solve your problems for you.
No your point was to "just move" and being less "entitled". This is obviously a solution with a lot of flaws for a problem that is very much man made. Telling people to "just move" ignores this and dismisses the need for an actual solution, where the actual solution can only be implemented by banding together and not by individuals.
Can you think of another way to take matters into your own hands?
Right now it looks like you're just waiting for other people to solve your problems for you.
A few actually, None of them currently legal.
Do you know why they aren't legal? Because the whole deal with representative democracy is, in the end, to wait for the people that I elect to solve my problems. Because it is tedious and time-consuming if I have to fight every battle on my own. It's also unfair because most of my problems exist because of unfairly distributed wealth, which makes the fights I'd have to take quite unbalanced. Acknowledging this has nothing to do with being lazy or cowardly it's just a reality. A reality that you can run away from by "taking it into your own hands and move into less desirable regions" or you can try to change the rules that allow the problem to exist in the first place.
I mean, you support the disparity in wealth when you think you deserve more before others who have less.
If living in cheaper areas isn't good enough for you, why should you get more before the people who live in these places? You already have more than them, but you think you deserve even more without being able to afford it.
That's textbook entitlement and hypocrisy. This is why you people get mad whenever I suggest moving to cheaper areas. You don't want to acknowledge your own contribution to the problems.
That is just... mathematically wrong.
What you are doing is textbook for trying to make the lower classes fight amongst themselves. Yes there are disparities between the people belonging to one class but they are way way smaller than the disparities between the classes. It's also a strawman argument. Just saying "I don't want to be priced out of my home" is not asking for more. It's literally asking for no change.
I get mad because you identify the wrong problem. The problem is not with people not wanting to leave their homes the problem is with the system pricing people out of their homes.
And that shows how deeply flawed representative democracy is and how much of a failure it is at protecting people's best interests.
Next society we build should be a network of direct democracies.
I'm not sure that particular problem would be solved better in a more direct democracy. The issue is that a lot of people consistently vote against their own interests, which would have the same effect in both systems
Doesn't anyone examine why and try to fix it?
Why should landlords and corporations?
You're just assuming that the only viable solutions are easy ones.
Then how do people live there? You clearly don't know what you're talking about.
Um, most don’t? That’s why housing is plentiful and cheap? Because most people there can’t afford it? Or have left for places that actually have jobs?
Seems you’re assuming that moving is the easy solution. And again, no, that’s not always true. Why is that so hard for you to accept?
No, you just assume that the only viable solutions are easy ones.
Keep waiting around for other people to solve your problems for you.
That's just about everywhere nowadays buddy.
I've been looking and looking to leave, but I don't have the proper education to get a WFH job so I have to live where the jobs are, and places as cheap as yours aren't where the jobs are...
Yeah... there are no jobs in my city of 80,000 people.
Lol.
So where is it? I'm not just here to argue, a city with 60k houses at peak hot markets with jobs that a (previously mentioned uneducated) person could actually find a job in? I'm sold. Where am I looking?