If you’ve ever heard “My grandparents bought for $8,000!” and thought “I’ll never catch up,” this episode is for you. We break down buying power—how inflation, income, interest rates, taxes, insurance, and housing supply determine what you can really afford. You’ll see why the home price-to-income ratio jumped from ~3.5× to ~5×, why down payments feel heavier, how the rate-lock effect is choking inventory, and—most importantly—how to build a practical plan in today’s market.

You’ll learn:

• How to translate old prices into today’s dollars correctly

• Why monthly PITI beats sticker price comparisons

• What changed since 2020—and since 1960

• Real-world strategies to lower your payment, expand your search, and buy (or rent) without wrecking your future

This is a direct, no-fluff guide to housing affordability in 2025 for first-time buyers, renters, and anyone interested in real estate. If you want clarity, confidence, and a plan, watch to the end and grab the resources below.

Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!

Articles:

o https://www.fidelity.com/learning-center/smart-money/average-salary-in-us

o https://www.americanprogress.org/article/americans-wages-are-higher-than-they-have-ever-been-and-employment-is-near-its-all-time-high/

o https://www.bankrate.com/mortgages/historical-mortgage-rates/

o https://finance.yahoo.com/news/average-home-cost-were-born-180001011.html

o https://ushistoryscene.com/article/levittown/

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