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Why aren’t millennials buying houses?
>>50629146If i had 400k its going into link, not a house.
>>50629146Many are. Why are you a faggot?
>>50629146AAAAAAHAHAHAHAHAHAHAHAH half a million $ for a fucking box. Burgerland is so fucked.
>>50629160I’ve been trying to sell my home. But it’s only boomers, Indians and Chinese coming to look at it
>>50629146You get 13 Acres of land though? The house is shit but still. Doesnt seem that bad considering the land
>>50629165
>>50629172You couldn't pay me to live in New England.
>>50629146>Hebroni think they misspelled Hebrew
>>5062916213 Acres is more land than you will ever own in your life
>>50629289Really? i thought New England was one of the best places in the US? im not American
>>50629289Are you not white?
>>50629349Rofl. Thats my guess.
The property is 13 acres and is on a lake, of course its expensive.
>>50629146any prole seeing this who doesn't immediately KNOW, dont deserve to be rich. I'll guarantee you this is a very pleasant spot indeed. And free of ghetto dwellers, where most of you troglodytes appear to belong.
>>50629154so you've chosen the cardboard box option.
>>50629146>13 acre lot>5 hectareA hectare of farmland in my country is like 50k so the land alone would be worth 250k euros.
>>50629146No one besides rich people can afford it.
>>50629146Because we don't care about anything anymore. We live in the moment, most of us are not mentally good.
>>50629309Why do you faggots act like owning stuff is a big deal? Why are you also making assumptions about that anons wealth?I wish you would get raped by a pack of niggers and get your throat slashed.
>>50629337Junkies and kike and shit bag whites.Welcome to Jew England. >>50629349Barely anyone is white in New England. Stop it Americans, you guys aren't white.
>>50629837I'm happier when I'm not around Americans, you guys are negative fucking energy drainers to be around.
>>50629854This looks like a haven for Americans. The only state id move to if i ever went to America which wouldnt happen but still.
>>50629146I have been trying to. I have been saving for 11 years but prices have gone up as much as I have saved in that time, and my wages haven't gone up that much. Little hesitant to buy right now in case there is a housing market collapse. I live in a very expensive area and it's around 150k for a one bedroom flat/condo. Mortgage rules have loosened up a little in the UK allegedly to remove the 4.5x salary cap so I might be able to buy soon. But I still have to pay thousands in fees to solicitors and surveyors, then thousands every year to property management companies to sweep hallways and keep the lift working. It sucks.
>>50630026>UK allegedly to remove the 4.5x salary capThis isnt that good mate. That means you will be able to leverage more which is risky. 150k for a flat doesnt seem that bad for the UK - if you say its a expensive area. You should look up north... Some decent priced houses. If you care to move to where you can afford more
>>50630026>thousands every year to property management companies to sweep hallways and keep the lift workingyou dont wanna be having that shit hanging around your neck - you are young(ish), get something old, with stairs. And no fucking management fee scams.>>50630068Thats half price m8, becuase its literally half of that house you are buying:>50% share with Home ReachPart Buy - Part Rentmaybe something for above tho, better than buying and paying Jew management fees.
Housing in America is too exp-
>>50629165white people in general have too many student loans, drug addictions, and other bullshit to buy houses anymore. I also noticed that a lot of real estate is instead being bought by hard working chinese/indian immigrants
>>50630228>hard working chinesehard working money launderers, maybe.
>>50630228How do you come to such a low iq conclusion
>>50629165I keep looking at foreclosures and shitty homes,So far I have looked at 20, people keep trying to tell me about financing because they think I don't know.No bitch I want to make a database of shit homes so I know what the market is.
>>50629843The seethe is palpable
>>50629992New England isn't a state, it's the region northeast of Pennsylvania, sometimes including Pennsylvania. Oddly enough one of the worst places to try to stay isolated in America, it's closer to Europe than anywhere else on the continent.
I'm a bored hacker. If you want the password to someones Snapchat account, like you think your partner is cheating on you, or curious about something else, I don't mind trying it out Ask me on Kik Messenger at PenrodP ooch
>>50630068Mate, I have a 50% deposit, being able to borrow 5 or 5.5x my salary is not going to make a huge difference to me on a 90k mortgage. The repayments would be half my monthly pay. The problem with the UK is that people are locked in the private rental sector paying 900 a month on a property that costs 450 to mortgage. I don't want to move far away 'cause this area has decent jobs. The only way my situation could improve is by moving to a bigger city (not London) with similar prices.>>50630179Pretty much all flats have service charges. Ex council flats have more reasonable service charges but the council can bill you for capital improvements any time they want. You have no say over who carries out the work of how much it costs. New roof? that's 5k please.
>>50629866>t. jeet is angry that reality exists. Everyone in America moved to America because they are instinctually bears. It's why we were a global power until we invited a world full of bulls in to shit on our quiet bear investments and pull us screaming into the blind leading the blind insanity of Keynesian central bank fueled bull markets. Bear markets are cozy because they have saftey and fear priced in.Bull markets are chaotic because they do not price anything in and become a sickening over-positive loop of death. Its ironic really. The bear begits the bull and the bull begits the bear
>>50630389>Europe than anywhere else on the continent.Sounds ideal
>>50629289Yeah man, it sucks to have the best lower & higher education, a moderate climate, 4 seasons, access to the ocean, a predominantly Catholic population, rural areas but overall vicinity to big cities, a drought-proof preponderance of large reservoirs, the highest wages, evidence of a colonial history that you see every day, quaint forested neighborhoods on gentle hills, and a cost of living that forces all the blacks and hispanics into assisted living in a few pockets of the big cities, leaving the rest of the region crime- and litter-free.You dunce.
>>50629146I used to be mildly annoyed when these threads popped up.Now I'm not. Because OP is pointing attention towards how utterly ridiculous housing prices are and how we are becoming destitute.
>>50630528>ridiculous housing prices areYou get 14 aches of land in New England... im struggerling to see how this is ridiculous?
>>50630195i live in bucks county and there's 0 chance i'd ever live in niggerdelphia. it's cheap because it's 1) overrun with niggers and 2) cramped as hell with on-street parking.
>>50630553>You want to buy a house>$400k for a box in the middle of nowhere>Nice lakeviews I guessBut you get 14 acres of land!?Are we here to buy a house, or the land? We're here for the houses...You could buy it for the land, but then you'd have to get a custom built house, an added expense...This is a result of clown world, plain and simple
>>50629165>But it's only boomers, Indians and ChinksI wonder if OP lives in my area.It's true.I don't see many Millenial whites in the leasing offices of the apartment's I've been looking at. It's mostly Indians and Asians.
>>50630068Soulless exterior and surroundings, holy shit. Is this the average home in the UK?
Millenials should just stop eating avocado toast and subscribing to so many subscription services. They literally caused this mess
>>50629146Salaries small but this is very exaggarated picture. I got my house for 45k, 1 bedroom + huge living room. big yard.
>>50630703whites fell for the "college is a meme" meme. chinks and indians didn't.t. lives near college educated chink/pajeet mecca of the east coast (princeton nj.)
Another Demoralization threadDon't know why these get posted so frequently on 4chan right now but its really suspicious
>>50629146basedlennials are too stupid to think ahead and save money, they think everyone else owes them something and they deserve to have their childish consumerist cravings satisfied
Why aren't millennials having children?
>>50630872Nonwhites are supported by the system. They are given high paying jobs by corporations and the government itself through subsidies (using White peoples' money) Meanwhile colleges and college towns like princeton will import more nonwhites.
>>50629337It is. People seething have probably never lived there.
>>50629154ok klaus
>>50631005>Nonwhites are supported by the systemThat's true of blacks and Hispanics. Importing Chinks and Indians is massively profitable for America for the same reason that importing Chink and Indian products is; all of the expensive, hard work (raising and educating a child) has already been done at a much lower cost than would be possible in the US, which now gets to enjoy only the benefits (tax income from the immigrant working and consooming)
>>50630675Land is better than houses. A house costs like 100k to construct brand new from kit.
>>50631005i have one of the whitest names and skin complexions you'll ever see and i had no trouble getting a job in corporate finance/accounting.
>>50630675When you buy a house you pay for the land its sat on not the house. You cant go oh look at the price of that house "clown world" while ignoring it has 14 acres of land... If the OP posted the house on it own with what you can see in the pic fiar enough but its not
>>50629146It's 13 acres of lakefront land with agricultural zoning so you can do whatever you want with it. That shitbox was put there to collect mail while someone sat on the land as it appreciated in value over a long period of time probably. Whoever buys the land will probably tear it down and put a custom built house on the lot.
>>50630926I make 6 figures and am in the top 10% of earners for my ageI save 60% of my post tax incomeI have savings in the top 10% for my age>tfw still can't afford a house and knuckle dragging mongs blame me for my moral failingstop smoking crack anon
>>50630727Yes. Id even say thats good. If your in a city. You pretty much 90% living in a terraced house (row home) which was most likley built in the 1900s
>>50631077>A house costs like 100k to construct brand new from kit.No, try 300k. And there are additional expenses including demolition, plumbing, utilities, taxes, and the time it takes to actually build the thing.If you plan on building a house with OP's listing, then it would run upwards of ~750k total expenses.
>>50629146Maybe if you spent less money on houses you'd have more friends to have fun with and avocado toast to eat, loser.
>>50631077>100kmore NEET delusions. go talk to a modular home builder. $100/square foot minimum, likely closer to $200/hour if you include site improvements/prep.
>>50631125Yeah 14 acres of land and what are you gonna do with it dummy? Are you a farmer? Are we buying land in this thread, or houses? Get real.
>>50631207You could build 14 homes on that land all sat on 1 acre plot and make $1M easy if you got permission. God if you dont get the difference between buying property with a 14 acre lot to buying a house with a tiny garden you dumb asf
>>50631244>You could build 14 homesThe title of this thread is "Why arent millenials buying houses?"So you're assuming the average millenial has the capital to just build 14 homes. Got it. Yep, you live in reality.
>>50631077This is why biz is a joke it's full of delusional retards that think a house costs $100k to build>>50631244>You could build 14 homesOh wow! What a great deal! Who is gonna pay for it?
>>50631284I could sit here all day. And show you 100s of afforable houses. But all you would do is say meh>shit area>niggers>democrate shitholeSee this is the thing you dont really care about home ownership, everyone knows you can get cheap houses... But what you really want is the nice big, nice state houses to be cheap. Which is never going to happen
>>50629309400k for 13 acres is a terrible price in the US given that the national average is ~$4500/acre.395900 - 13.1 * 4500 = 336950 for a 546 sq ft trailer home336950 / 546 = ~617.12/sqftThe average national cost per sq ft to build a house is $113/sq ft.That listing is a scam.
>>50631529hidden gems don't exist. homes are "cheap" in my flyover hometown because jobs pay fuck all. in general you're going to see homes priced at 3-5x average gross annual earnings for the region. the only way to game the system is to have a high paying 100% remote job. that is not an option for most people, and if it was then you would see a massive runup in prices similar to what's happening in areas like montana and florida right now.
>>50629165>>50630228the US is importing crazy rich asians instead of mexican migrants so now the white population is being squeezed from the top and bottom
>>50629146neither millenials nor zoomers are the problems. you boomers are the plague. good thing you don't have much time left. tick tock, arthritis is closer than you imagine. can't wait for 50% off most houses in a year
>>50631529>I could sit here all day. And show you 100s of afforable houses.And I could sit here all day and show you 100's of "affordable" cars. It doesnt mean that they are safe to drive in or run correctly at all. >everyone knows you can get cheap housesWhat planet are you living on?
>>50629154Ever heard of the concept of diversification to minimise risks, faggot. Index stocks. VTI is a good place to start. DeFi middleware. ImmuneFi partner's Spool Fi. Alts. Majority BTC and ETH.
>>50631176>>50631196>>50631456Small houses built from kit (1 or 2 bedroom lofted) cost about 60k in materials, and probably another 40k for essential contractor work (foundation, electric, plumbing). https://avrame.com/series/duo
>>50631799If you are unable to save 20k for a deposit. Your fucking useless quite frankly
>>50631132You're doing something wrong if you can't afford a house at that income, probably not saving what you say you are. I make a 5th of what you do and just bought a house. If I had your income, I'd be able to pay it off 2 years earlier. Cut the fat out of your life, stop eating out every night.
>>50631922anon have you ever been to buffalo? here's a big fucking hint. THERE ARE NO HIDDEN GEMS. PRICES WILL ALWAYS BE 3-5X THE PREVAILING WAGE FOR THE AREA. ANY """EXCEPTIONS""" WILL BE NIGGER-RIDDLED SHITHOLES.
>>50631922>If you're unable to save 20k for depositHow cucked can you be to defend the current financial system? Grow a pair anon
>>50631922>thread
>>50631950>stomach living around niggers for a few years then leave for a better area vs building no equity paying a kikethese are your choices
>>50629854mmmm yuropooria cope
>>50632008>muh equity>a few yearsdo you understand how an amortization schedule works? the payments for the first several years will be almost entirely interest. your only hope of gaining equity (past your down payment) in the first "few years" will be appreciation, and a crapshack in a nigger shithole like buffalo won't be appreciating in the slightest.
>>50629146Every millennial I know who bought a house, did so 3-5 years ago and feel incredibly lucky to have dodged this market and everyone else is either living with their parents are seething as a rentoid because they are paying more than they'd be paying for a mortgage if they had saved up and bought earlier.
>>50631976Id bet my money. You go out every weekend. Spend 100$ on trainers then get to your 30s... Why cant i afford a house.. Why was i such a snob about where the house was when all i really cared about was owning bricks and mortar... Why did i not think to buy a cheap home, improve it then sell for a profit then upgrade to something nicer... But i wanted my first home to be my dream home...But i wanted a penthouse apartment in NY for $100k... Why does the market not crash
>>50629146>>50629289>>50629337>>50629349>>50629478>>50629854>>50629992We're full
>>50632096underestimating how much rent cost vs mortgage and home appreciation and overestimating how slow equity builds
>>50632282>underestimatingnigger i'm an accountant, i run through amortization schedules in my sleep. you're 100% wrong.
the two bedroom house im looking to buy is almost HALF A MILLIONit was bought for £120k back in 2009LMAO JUST........
>>50629146Because I can't get a job that pays more than $16/hr, I thought no one wanted to work.
>>50632096Get a government subsidized low income loan.
>>50632452look at the average rent payment vs mortgage payment. take the difference. then estimate what kind of return you can get with that in this market. do you live with your parents?
>>50631833> Ever heard of the concept of diversification to minimise risks, faggot. Index stocks. VTI is a good place to start. DeFi middleware. ImmuneFi partner's Spool Fi. Alts. Majority BTC and ETH.
>>50632541They pay ice cream scoopers 18-22 dollars an hour where I'm at.
>>50632614You have to pay for insurances, maintance, easte agent fees. There really isnt much money profit wise renting properties. As a income per month
>>50629172>30k per acre...Suck my dick.
>>50632665im talking about where you live yourself, not renting out.
>>50630195>literally west philadelphia HAHAHA!
>>50632614what are you trying to argue, and how does this relate to your claim that a 35% nigger shithole like buffalo, new york is an exception to that rule that houses generally cost 3-5x the prevailing wage?
>>50629146>brokered by Sotheby's -- You know they always sell good stuff!
>>50632724im just trying to say homeowner ship is a worthwhile investment, even if you have to live around niggers for sometime. i dont care about the previous parts of that chain.
>>50632634WTF? I have a degree and would do bad things for that kind of wage
>>50630179Help to Buy value is always extremely high. I know there is always a new property surcharge but I might only be able to buy 30% of a freehold and then end up fucked in 5 years paying rent and a mortgage.
>>50632509they fuck under 40s with ever expanding house prices, and just as we can afford to buy their properties they jack up the interest rates too. the perfect scam.
>>50631922It’s not the deposit it’s the monthly payment. You pay the deposit on a 400k place and then the monthly payment is what like 2.5- 3k? Most people don’t make that much to easily afford alone in this generation of no women worth marrying so you’re single income
>>50631833Link is a zero risk investment and has 100% guaranteed upside higher than anything you listed. faggot
>>50629309>>50629172>have to pay money to tear down house and build a new one>another 300k on top of thatIt's just not worth it. If it was an empty lot maybe, but it's repugnant that people are selling shitty uncared for homes for tons of money. Literally just take care of your home.
>>50632185>Spend 100$ on trainers then get to your 30sWhat are you talking about cuck? Sounds like you're projecting your personal failures. Even real estate agents are admitting the market is a complete clown shitshow
>>50633656Linkies have been sucking hard on red dildos over a year now. I find it difficult to believe that same brainlets like you would bag LINK and LUNA, Adolph Hitler would have done a lot of good killing you curry niggas.Move on to promising alts ETH, MATIC, KOLNET and LEVERNow suck my mancunts and be grateful desu
>>50632685Who the fuck is this chick?
>>50629146No idea about us realestate but shit seems super cheap in some areas.That pic small house but i like them 13 acres
>>50631879Can you idiots who've never been through the process even once just shut your damn mouths. Everything is easy in hypothetical fantasy land.
Seeing a lot of these now>$395k, price cut $5000Naw I think I'll just build a shed for $50k and live i n that
This land would cost 100k max in a flyover state or rural OK, rural TX, or anywhere in Arkansas. And 80k max in the south east. If you pay more than 125 grand for a house then you're ngmi.
>>50629146>implying that house is too expensiveNot if someone is willing to pay that for it.>13 acresIf it's good, usable land and not all mountainside or landfill then that seems like a somewhat reasonable price. Learn to fix the house up yourself, your not a man unless you have at least a tenuous grasp of the trades and if it's too small then you have too much shit and if you have a family then you should've thought about a house before dicking down a bimbo that let you impregnate her before having a suitable house.
>>50629146Millennial here - I make $200k (principal software dev) working remotely in a low-income part of the country and still live paycheck to paycheck
>>50640138>still live paycheck to paycheckHow? You massively in debt? Severe addictions?
>>50640138what do you spend money on
>>50631077t. Boomer still stuck in 1980's
>>50631132You are either incredibly frugal or simply lying about your incomet. accountant anon
>>50630754fuckin millenials. have there ever been a worse generation? all they do is ask for more more more and spend the excess on avocado toast and craft beers.
>>50639871What if you want to do something other than stare at dirt all day though?
>>50629172It's NH though. You'll be paying like $10k in property taxes a year.
>>50629829>>50629843>>50629854>>50629866post nose. you're either one of those "my fellow whites" or dead mouse brown
>>50640164It's actually pretty easy>spend at least $100 - $200 a day on doordash. I order whatever I'm craving>probably spend $25 - $50 a day on booze>buy tons of books, but never read them>get massages 3-5x a week>I like to go for drives a lot into the woods so there's a lot for gas. I also buy tons of outdoors shit>Easily spend $150-$200 a month on streaming subscriptions - Netflix, Hulu, HBO, etc.>Send nice presents to all family members on their birthdays>Paying off student debt in minimum payments cause I'm lazy>Actually really enjoy avocado toast>Spend probably $300 a month on registered agent, web hosting, domains for side businesses I haven't bothered getting off the ground yet>Spend a lot on groceries>Rent is $1,200 a month>Go shooting at least 2x a week - ammo is expensive as hellThat's about it
>>50632183This, gf and I got bought our house 6 months before Covid hit, now we're both working from home in a place 3 times the size of the tiny house we were renting. I've got friends trying to buy now and holy shit, it seems like a nightmare.
>>50629843kek only women and kikes get this upset, you're probably both
I'm 30 and make 37k a year and bought a house 4 years ago. Y'all really afraid of a mortgage huh?
>>50629866>brings nothing but kvetching and negative energy to the thread>complains about other people's negative energylmao you really can't make this up. i'm now actually guessing F2M tranny
>>50639828I'll post again in a few years after building my first house.
>>50629146The real answer is millennial women. There is plenty of affordable housing for a man and a reasonable woman or just a man and a rotating harem. The problem is millennial women are raised on romantic comedies, Friends, and Disney movies where they think they need a huge yard, multi-car garage, walkable neighborhoods, and most importantly they NEED to be near their family and the “GURLZ.” In short, they have delusional expectations of what they deserve given what they have to offer. And most guys are pussies, so they crash themselves to try to win the favor of these chicks. Go shop for a property without women in mind and look what you find. You’re closer to paradise than you think, you just have the unfortunate task of convincing some cunt to go with you without her guilt tripping the fuck out of you such that even you start to feel miserable despite a beach being 4 blocks away. I bought my place when I was single and lived at home way longer than I needed because every time I got into the market to buy a place, the girl I was dating wanted to throw in her input and in every case they would ultimatum me about breaking up if I bought it. Eventually you stop giving a fuck and it becomes real obvious how absolutely life destroying these women are if you let them get away with it. It’s millennial women that are the big problem though.
i don't want your shit housei want to live in a real house that isn't retarded
>>50629146They aren't getting married.Housing costs are a non-issue if you have double income.
>>50633028What if that's the game? There actually is no recession, it's just an excuse to keep people out of the housing market with higher rates
>>50640634Have you considered, like, not doing those things for a year?
>>50640634>I order whatever I'm cravingWasteful, just cook dinner.>$25 - $50 a day on boozeWasteful, alcoholic>buy tons of books, but never read themFinish a book before you read, wasteful>get massages 3-5x a weekWhy?>Easily spend $150-$200 a month on streaming subscriptions - Netflix, Hulu, HBO, etc.Share with family/friends, literally TORRENT EVERYTHING and pay for a cheap VPN if you're scared>Send nice presents to all family members on their birthdaysAcceptable>Paying off student debt in minimum payments cause I'm lazy?????????? Stop buying excess food and booze >Spend probably $300 a month on registered agent, web hosting, domains for side businesses I haven't bothered getting off the ground yetWTF>Spend a lot on groceriesYOU DON'T COOK>Rent is $1,200 a monthBuy a house??????????>Go shooting at least 2x a week - ammo is expensive as hellAcceptableYou're fucking retarded
>>50638464Kolnet will see to it that faggot influencers will stop shilling their bags to gullible newbies and will be accountable for their services while monetizing same
13 acres isn't bad at all
>>5062914613.1 acres you could walk out your front door and dump a magJust saying the price probably has the land factored in
>>50639871the term flyover has never been a perk lol>hurr durr just live somewhere shitty so you never have to update your beliefs to include factual informationthis is how you actually NGMI
>>50640138Millennial here as well - I make $250k working remotely in a high-income part of the country and I live below my means so I am accumulating more than I spend every month. I don't understand how your situation could be so different unless you did the dumb and brought kids into this fucked world.
>>50641572>Just saying the price probably has the land factored inthe price has an unsustainable real estate bubble factored in, ftfy
>>50630495>predominantly Catholicso progressive and antagonistic to the people that built the country in the first place?
>>50630926haha yeah bro just go into massive debt bro hahahahatotally not going to be a demographic winter soon hahahahahaha
>>50630926>1pbtid>edgy take>retardedmany such cases
>>50642126>>50642148soibaby rage
>>50640503Man up and plant some fucking trees. Your land is a canvas. >>50641647>le update beliefs>le rebbit spacingI'll bet you really love the "hustle and bustle of the big city" don't you. Maybe when you're old enough to actually own property you'll see the value in living somewhere that isn't overrun with jews and shitlibs. Sad.
>>50642444getting trips on this post is literally the only thing you've done with your life, kys swiftly for us all
>>50629146It appears to be 13.1 acres of almost-lakefront property (theres one lot directly between it and the lake, I think). If Hebron had more than 500 people in it then that would be in crazy high demand.
>>50642993FALSE! I'm a young millionaire playboy
I can buy 14 acres and a 1,500 sqft house for 50k less than that here. How retarded.
>>50643109>I'm a young millionaire playboy
>>50643312how is posting sóylennial women supposed to counter my statement?
>>50629843>t. klaus schwab
>>50643352well that's a man, and the insinuation was that it's (You), because you're not actually a millionaire playboy, you're a man larping as a woman larping as a millionaire playboy on an underwater basket weaving forum. that is all
>>50640775>can't complain about people's attitudesYou're a retard
>>50643513>pointing out hypocrisy and retardation is retardedanon you have to go back
>>50638464What was links price 5 years ago can you let us know ty bro
>>50633656I unironically believe this
>>50629146I have lived in this backwater town for 16 years.In 16 years I have never once witnessed a new home being built. Renovations that tear them down to timbers? Seen that. New business locations? Had a couple go up since I've been here. Pod-like apartment buildings owned by massive corporations based in different states? yep, got one under construction right now.no homes, though. Businesses and high density pod housing generates more tax dollars. Fuck you, Ned.
>>50630675400k is not expensive at all. That's less than $2k per month.
>>50631132>still can't afford a houseHow much money do you have saved?
>>50631796>arthritis is closer than you imagine???
>>50631005I'm non-white and poor. when I'm at the bus stop I only see white people riding by in Ferraris/Benz's/bentleys
>13.1 acres in New HampshireSurprised it's not even more.
>>50629146Explain smth to a europoor. Unless you fags are a bunch of larpers, you consistently make 6 figures. What stops you from living frugally and save 70% of that for a couple of years for good downpayment and get a mortgage?Housing prices here in France (near Paris in particular) are just as bad, but we don't bag 6 figures, at least, it's not as common.You fags still have it good and you still whine. Maybe boomers were right about spoilt millennials.
>>50629394this. it's intended as a 'cabin' for rich whites
>>50630926>Save moneyHave you seen the rate of inflation? The moment you stick money in the bank you're loosing it.Did you miss the last two years where many jobs were forcibly closed down by the fed?Buckle down and work hard is an option when the society you live in isn't actively trying to impoverish you. It's not in current circumstances.The proper solution is squatting, criminality, and terrorizing boomers.
>>50632185>If only I hadn't bought those $100 shoes and $8 avocado toasts, a $400,000 starter home would be easily within my grasp.
Besides the fact that we are priced out, we're also not retarded boomers raised on leaded paintchips that would buy the absolute top.
>>50629146ngl, that looks comfy
>>50630754Millenials need to stop voting democrats amd feeling bad for poor people.
>>50646701>The proper solution is squatting, criminality, and terrorizing boomers.True and not even based, literally just a perfectly rational response.
>>50630068Buy to rent? That sounds scammy as frick, who wants to buy an uncertain property where rent can be increased any time or you could be just evicted because the landlord had one of thousand reason like rentals in Estonia._
>>50629162there are many people who would like to live here, but I still don't understand it, I want to live in the metaverse and use vinu as a tv
>>50632183So it's my fault for being born in the wrong year and by the time I could enter workfield and start saving for the real estate the prices are going up 400% and more._
>>50631833>index stocks>getting outperformed by a fucking gamestore stocklol, lmao
>>50630068imagine, just imagine, living in a deanobox in fucking sunderland and paying money to do so
>>50646701t.
>>50631926>I bought a houseI love when people say this and took out a loan from their bank or credit. Nigga you didn't buy a house, the bank did.
>>50629146Because houses are priced in other houses, not wages
>>50630418The most biz deranged bullshit ever
>>50629146Because they should be doing group buys. There are rural properties in Portugal in the 750k range that could house 10 families in comfort.
>>50641220You thought that other reply was real? Low, low IQ
>>50629146well its because the make really bad financial decisions instead of investing in coin like matic that keeps pumping even through this bear market when everything else was going down
>>50630495Serious question, why does everyone leave? The amount of NY and Boston trash where I live is overwhelming, all 95 iq meat heads
>>50631078And you would've had it even easier had you not been white.
>>50629165Lmao sell it to em, let them eat the loss.
>>50629146This is 13 acres on a beautiful lake in NH. It's a fucking steal at that price.
>>50630195there are no jobs there
>>50649939remote work dumbass
>>50629146because this never ending meat carnival (You) call (You)r life was designed by (You) in a past life to inflict maximum trauma on every rung of your hierarchy of needs until you turn back into dust, re-emerge out of some other whore's rotting cunt, and do this whole song and dance all over again ad infinitum
>>50649953not an option for most people, retard. i say this as someone who works remotely.
Actually going to buy this shit when my bags of matic and eth pump. sleepy hollow here I come baby
>>50630389>it's the region northeast of Pennsylvania, sometimes including PennsylvaniaYou're thinking of the northeast. New England is the stuff east of New York.
>>50650032>rotting cuntsoul audit confurms anon gay. you will return to the womb anon, why do people call out for mommy in their last moments
>>50650277I'll upvote this, the remote market is a lot more competitive overall
why not??? they have money.
>>50629146>short sale>investor special>HOA fees are only 5k a year>price is firm!
>>50629309What the fuck is wrong with you? The listing is overpriced for land, and that box is a joke. It will cost you another $400k just to tear down the house and build anotherbizlets are fucking retarded
>>506462386 figures is less than 10% of the population you monkey
>>50646238Americans are fucking retarded, the only smart people in the continent are immigrants and immigrant descendants.
>>50651777Are people on /biz/ lying about their salaries?
>>50643904No it isn’t especially with the taxes/fees added in. I just googled mortgage calculator and got closer to 2500
>>50651797So everyone not a native, got it.
>>50651808The Rich autists in that 10% would congregate here but so would autist larpers wanting to not be outdone
>>50646238>save 70%kek.i make $95k a year. i dont really give a shit so pic related is a screenshot from my BIG AUTISTIC BUDGET SPREADSHEET™. i live in an unironic nigger shithole town so my rent is cheap. if i wanted a nicer apartment it would be closer to $1700 a month. the only way you're saving 70% of your income is if you live with mommy and daddy.
>>50652025Why is your rent so high, do you not have flatmates? I pay the same thing, but in downtown boston.
>>50651808>be bizraeli, have trad wife with 9 sons, 25 acres, 4000 sq foot house, single income over $250k, max out multiple retirement funds every year, eat steak everyday, $700k in crypto, 100 oz of gold, 1000 oz of silverthey never lie here, its all real
>>50652025tl;dr $93k a year yields about $11k/year in retirement savings + $4.6k employer match and $25.8k/year in cash savings/investments. i just ignore my retirement savings because i can't touch it until i'm almost dead. $25.8k/year savings/investments divided by $93k gross pay = 28% gross savings rate.
>>50652025>internet 70$/month>cellphone 53$/monthI feel like you are being scammed. It's 4 times lower in EU.also >>50652057
>>50631196a 600sqft house runs 60000 at 100/square foot, add to that 40k for contractors for the foundation, plumbing, and electric, and you get a 100k house.
>>50629146I was looking for 3 bedroom apts so I can live with my wife. They’re 5000 in rent. And 900k to buy. ( Miami) Not to mention absurd hoa fees. Just 2 years ago these same places was 350k. My wife and I would be needing to make 100k each to afford this. But my last job paid 50k and I have had no luck finding a job for the past 6 months
>>50652057because i have absolutely no interest in living with strangers as an adult male. sharing walls with these degenerate nigger retards is bad enough.
>>50652097>I feel like you are being scammed.you have no idea how expensive life is in america. $70/month internet is the result of me calling and threatening to quit until they gave me a promotion. it's normally like $100/month. cellphone is the cheapest plan i could have, it's actually a poverty ass 2 GB/month data plan that i was grandfathered into (don't care about data cap since i rarely use my phone.) if i bought a new cell phone plan today it would be $80-90/month after taxes.
>>50652106>600sqft housemy man, are you on welfare or are you actually a fucking retard? there is not a single contractor or modular home builder in the entire country, notwithstanding scam artist "tiny home" builders, that would waste their time even talking to someone who wants to build a 600 sq foot home. they would literally hang up on you. and those "tiny homes," they don't qualify for traditional financing so you'd better be paying cash.
>>50652130Fucking hell, alright, ameribro, I take my words back
>>50652165I doubt contractors would just turn you down if you offer them cash for an easy job pouring a foundation or installing some wires. The house itself you would just assemble from kit. Granted, you would need about 80-120k in savings before you could get started. It could be done after selling a traditional house.
>>50652066Oh i forgot>in a high trust, white only community>6 vacations a year>vacation house
>>50652110Do you not have friends?
>>50652200this doesn't include the $5-10/month of bullshit fees they tack on, or the taxes.
>>50652200I dunno about him, I am in America and pay 250 a year for mobile and $60 per month for internet (split between myself and my flatmates it comes out to $20 a person).
>>50631922>jobs all have a 50k ceiling, all of them, university degree or not, experience or not>40k after taxes>cost of living is 35k minimum>houses have been appreciating 50k a year>savings is max 5k a year if you skip vacations and don't own a car or eat out>start with 0 savings because baby boomer parents think you can still buy a house on a part time summer job's wages>???Game is rigged. It's all a carrot on a stick. and even if you get the down payment saved up, you can't afford the maintenance and property tax.
>>50652228how old are you and what do you do for a living?
>>5065229823, PhD student, 40k a year. My brother (27) makes 120k a year as an engineer, and he has flatmates as well though.
A nigger lives there!
>>50652025>he actually pays his student loanswhat a loser. i'm just not paying them is all. govt can't do shit. banks can't do shit.
>>50652319you're still young, i don't expect you to understand this, but most people past their mid 20s have no interest in dealing with 'flatmate' bullshit when they're conducting professional business all day, whether that business occurs inside their home (i work from home) or outside their home. like i said, dealing with the degenerates who share walls with me is bad enough.
>>50652351i haven't paid a dime since the student loan pause, that calculation is just a placeholder.
>>50652130I’m in California and the cheapest internet here is $40/month, but you can also get free internet for being low income. They also give out free phones and service plans for low income thanks to Obama. If you’re low income, you also get free food and subsidized power. Many low income families also get free federal housing, or state housing, depending on the situation. Cost of living is basically $0 for anyone making less than $30k/year here.
>>50652366I would be willing into my thirties, it is nice to live in a family-analogous living situation. The benefits of good flat mates is excellent. Anyways, by the time I'm older, I'd hope to be splitting expenses with a girlfriend/wife.
>>50652399>I would be willing into my thirties,>I'd hope to be splitting expenses with a girlfriend/wife.if you're looking for a gf you'd better get rid of those roommates ASAP, that's all i can say lmao. few things gets a pussy drier than being a 27 year old man and still having to plan sex around your 3 housemates not hearing you two fuck.
>>50652442Eh, all the chicks I've been with like being noisy and letting anyone around hear. It's actually a bit embarrassing to myself.
>>50631078
>>50631040But I do live there.
>>50631833>Ever heard of the concept of holding these bags for me bro lol??? they're getting heavynice job retard
>>50632185>You go out every weekend. Spend 100$ on trainers then get to your 30s..Jesse what the fuck are you talking about
>>50630195IN
>>50643427holy shit the absolute copetake your mental gymnastics somewhere else you spastic fuck
>>50648180t. works 40hs a week and lives paycheck to paycheck keeping up with the Joneses
>>50640744Female jews?!time to INVEST
Same beat to death topics every week /biz/ is dead. Sad.
>>50629146Fucking wild to see a picture of a house I've driven past on 4chan.I bet the property has like 4k taxes too since it's in the Plymouth school district and that shit rapes taxes. Fucking state and towns won't let anyone build new houses so these prices will probably stay higher than elsewhere even as the market crashes.
>>5062930913 Acres is more land than most yuropoors entire countries
I can't find a 1bd for less than $2000 a month plus tip (fees and utilities)
>>50629337A lot of new england is pure trash, but the waspy spots are heaven on earth.
>>50641709This kek
13.1 acres. Jesus. Imagine mowing that beast every month.
>>50629337It is. You're literally replying to small children. New England has the lowest population of blacks. Therefore their crime is extremely low and it's safe to live. Look at San Fran. THeir black population is at like 5.6% and over 47% of violent crimes are from the black population. It doesn't take that many blacks to have your city or state turn into a hell hole.
I did, in 2016. Sold it last year for 3x profit. Sorry you missed your chance KEK
By the time my income matures enough that I can easily buy one, I probably won't want one anymore.
>>50656212I made 100x in cryptoNot that jealous of your 3x, sweetie
>>50656232Wow you bought a dollar of crypto and made 99, wooooow ohh WOOOOW OHHH GOOOOOD WOOOOOOOWWW IM GONNA CUUUUNMMM
>>50629146what do you even eat here? bugs? I'm used to food stores in every corner and everything in walking distance
>>50630872College *is* a memeThe entire scam is perpetuated so that an English degree is worth exponententially less than a Software Engineering degree and everyone agrees this makes sense, but both a SWE major and an ENGL major have to get the same 120 credits to graduate. We wouldn't have any of these fucking problems if the 'basic' credit bullshit didn't exist. Just let a nigga pay for his 36 credits of shakespeare and chaucer research courses and let stemmy pay for his 64 credits of transcendentals and javascript courses and the entire system rights itself- a cheaper degree and a worse paying job but at least he's not getting raped by debt.
>>50652829>copeIt is actually more reasonable to assume anon is not a millionaire than to assume he is.
You fucking burgers still can see up to 2x on house prices, and don't even know it. I hate globohomo so damn much
>>50629154This is why you will never have 400k
>>50629162>>50629146Pretty sure this is on a lake or overlooking a lake thats why
>>50657767per square meter is a worthless metric
>>50652765WEST PHILIDELPHIA BORN AND RAISED
>>50629146I am a millenial, 34yo. I own two outright. My situation is not typical though. I think my peers are struggling due to the economy and demographics slowly deteriorating during our lifetimes.>>50629160This.>>50629289Its not so bad. I have lived in the West, South and New England, I honestly prefer it here. If I could lower my CT property taxes and have better conceal carry reciprocity with neighboring states, it would be perfect.
Because I stayed with my parents and I get their house.
>>50629162>13 acre lotmouth breather
>>50649278the dumb ones leave, that's why everyone you see are 95 iq meat heads. why would someone making like 600k in nyc or boston leave? it's attrition of the idiots. all the attractive, wealthy, and smart people are still IN boston or nyc. the rest go and try and blend in to the rest of the country. where my parents live in sc its like this. everyone is from nyc and fat. there's a reason they're in sc now
>>50652109you need to make way more than 100k each to afford 5k a month in rent. i make 225k and spend 1.8k a month
>>50630495Catholicism is not big here. The Irish and Italians who once practiced it don’t anymore because it’s a gay jewish religion and because the church molested the shit out of anything that moved until they were caught in the late 90’s. The rest if what you said is true though. New England is still based even though the leftists and jews compulsively try to destroy it.
>>50641696Based on your last sentence I know you are a pure vile beastial jew
>>50659530How’d you buy two out right or are they shitholes
>>50629146I can buy a house for 300k.Or I can buy a run down shithole that needs 150k for renovations for 80-150k.Or I can buy near the 'refugee' city for 200k.
>>50661683I did not buy them outright. I bought my first house in 2010 at the age of 22 for 125k. Not a shithole, good neighborhood, modest 1400sqft house. I paid extra the whole time and payed it off early last year. I had to move 4 years ago for my job. Ended up buying another house right before Covid. Shithole house. It was a forecloseure in a decent neighborhood, got it for 82k. I got serious about paying it down and am still remodeling it. Payed it off last month.I am 34 ,married since the age of 19 and have never made more than 100k in a year. Wife's income has never been significant. I have been working since the age of 16 and have steadily increased my income to ~92k a year.Luck and timing played a good part in my ability to accomplish this, but it is still not out of reach for other millenials, especially if they are willing to live modestly or have a higher salary.Pic related is living room I just finished remodeling in my second house.
>>50631132Who the fuck buys a house in cash retard? Get a downpayment then have a mortgage like every one else. Keep a good financial buffer and keep paying that mortgage off. I paid sub 1% rates for over 6 years because Euribors were negative. Same time retard rentoid zoomers and other crash happeners kept saying shit will go down. Now I've paid over 70% of my house in 10 years whilst rents have been going up, I still pay over 250€ less per month AND pay 300€ for myself in the apartment every month. Keep seething rentoid
>>50629146That house is a bargain. If you know, you know.
>>50629854>Stop it Americans, you guys aren't whitet. Mohammad Mohammadan from Londonistan
>>50630195Look up any of those nice looking houses, guarantee they're in close proximity to a nigger ghetto
Hey Anon. Literally take 3 seconds out of your life to go to the LASREVER tg group and check it out. It’s had a crazy chart for the past week and sitting at 3m mc. People think it’s gonna be the next CULT or SAITAMA. You check it out you’re gonna be able to make your own judgment
>sleepy hollowI'm spooked out.
>be poor>saving up for a house >basically 2 hrs from NYC>Covid hits >work from home NYC mass exodus buy everything The only thing you can buy around here now is an overpriced literal shit box that isn’t even whole Fml
>>50629146>Buying in this marketlolno
>>50630754Fuckin piece of shit millennials i HATE them all!
>>50647744Sorry to say, dub-dubs man, but while it's not YOUR fault, yes, being born at the wrong time does mean that buying a house and having the kind of life that people before you had will be harder than it should be.
>>50663535How many brats you got?
Bros would I be retarded to buy a house now? When are prices dropping?
>>50665596They are already dropping. Just buy something within your budget range, as cheap as possible.
>>50629337It's alright but there are actual places in the US where you'll never ever have to see a minority or hear someone speak spanish while having low property taxes, gun rights, and lots of space
>>50665873Low income as well though.
>>50629146Shit's expensive yo.
>>50656189It's almost entirely forest you don't worry about taking care of, except maybe clearing standing dead wood near the house.
>>50631538Either you're retarded or disingenuous. Location is everything.