Bret

Forgot about this one

@AskXeela @jonbrooks The amount controlled by people with 3 or less is shrinking everyday. If you have to move, you are looking at 6%. They aren’t in control, they are the only people locked in to pricing you can’t get anymore. Those looking to buy already plan for today’s pricing.

@Vesmic87 @jonbrooks the distribution matters more than the headline number. 3%ers control the supply, and they aint selling.

This exact conversation happens every day. The system that prior generations used to win, no longer works. There is a complete disconnect and many have no idea what it is like to be a younger working class American.

@AskXeela @jonbrooks More people have 6%+ than 3%-

@jonbrooks the lock-in is real. nobody with 3% mortgage is selling - they'd effectively double their payment. that's why inventory stays frozen and prices stay elevated despite "affordability" headlines.

@Caffeindated @fawfulfan Town house with a $350 a month HOA

@fawfulfan No. So many younger people have an outsized idea of what housing should be. Here is a house in DC for $300k. Took me 5 seconds to find. zillow.com/homedetails/17…

So many older people literally have no idea how much a home costs these days, which is part of why many of them have no moral issue with blocking new home construction near them.

@mintflint656 @badvibecoder @midwest_it_girl “I don’t like your answer so I’m going to change the question”

@badvibecoder @midwest_it_girl if you can't afford it pick a new career or go elsewhere

pov: your boomer parents bought their house in 1980

@MichaelAArouet The minimum wage for tips jobs is significantly lower than those that don’t get tipped. It’s built in to assume that cheap ass like yourself don’t ruin it.

And it’s not my job to pay your salary, it’s the job of your employer Can someone please explain the strange US 20–25% tipping culture? Many countries around the world don’t have tipping as a common practice. The business simply pays the salary. Why is it so different in the US?

@DECdecalogue @jonbrooks I don’t think the 25% of employees that are remote workers are driving the housing market.

@jonbrooks Remote working drove prices up. Markets are now adjusting. It happens, has happened and will happen again. It’s not rocket science.

Public real estate brokerage stocks just got obliterated: Zillow: -70% Compass: -80% Redfin: -90% Opendoor: -95% Average: down ~85% This wasn’t a “bad year.” This was the market realizing: Real estate isn’t a tech business. It’s a transaction business. No volume = no revenue Low margins = no profits High overhead = no forgiveness 2020–2021 was a liquidity-fueled illusion 2022–2026 is reality And the stocks already repriced it.

@theficouple No one expects appreciation on a car. It’s simply not an investment, it’s a purchase.

@Chrissssjohnson Your mortgage typically doesn’t “stay the same for 30 years”. Tax and insurance increase your payment for just about every single year. Most also can’t put down 20% so payments will also adjust down when your pmi is removed. Not quite as simple as advertised.

Taking out a mortgage is shorting the dollar The dollar falls aka the cost of living goes up. Your fixed rate mortgage stays the same for 30 years

20 years ago the average mortgage payment was $1,200 Now imagine a 45 year old today is still paying on that same house he bought at 25 Paying $1,200 for housing in 2026 is the steal of the century for a 45 year old man You won’t be 20 forever G

@vanillavillan93 @midwest_it_girl Even worse investment. Monthly payments get as high as homes with hoa dues. Equity being built isn’t close to a home because you are lighting money on fire to give to the hoa. Many lenders won’t be able to give you a loan because of the insurability of condos.

@midwest_it_girl Condos exist and yall just love complaining

@SugarsBrigaid @GregAbbott_TX @IzabellaSzaFra So pay for it yourself?

@GregAbbott_TX @IzabellaSzaFra To be fair, sometimes a man just needs a Pepsi and a snickers.

Starting April 1, Texans will no longer be allowed to use food stamps to buy sweetened beverages and candy. Tax dollars shouldn't be used to fund unhealthy diets. texastribune.org/2026/03/18/tex…

@S_Williams_Jr @texasrunnerDFW What an incredible way to come off like a real piece of shit. “Cost of being irresponsible”, also known as what is commonly affordable to Americans. Fuck you boomer.

@texasrunnerDFW If you stretch the purchase price forcing the need of 30 years, then you are ok giving an extra $314k over 30 years to the bank. It is the cost of being irresponsible.

On a $400,000 loan with an interest rate of 6.5% over 30 years, you will pay a total of $510,177.95 in interest You will pay more in interest than the purchase price of the home The first 3 years you live there, you’re just paying the bank Buy carefully, my friends

@justalexoki Pineapple is awful all the time though. Why would I want it ruining a pizza?

pineapple on pizza is really funny because literally everyone who's actually tried it likes it, proving the rest are just cattle attaching to whatever the herd told them to believe

@RALewis3 @TP318 @notgaetti So delete the post that’s incorrect as fuck.

@TP318 @notgaetti See my response earlier. No need for this.

I'm constantly in disbelief that people use this platform for anything other than talking about baseball, and I do hate when anything political comes up in my feed, but the algorithm just pushed me these two posts by U.S. Presidents. Same party, but staggeringly different. Wow.

@fil09il @Clip_Master__ Yes you absolutely can.

Instant regret

@mrphinkle @David_n_Texas @trwsenti Yep. Moved from Texas to Colorado on my own 15 years ago. Sold everything I owned and moved without a job. I imagine that probably sounds scary to someone that likely still lives within 30 minutes of where they graduated high school.

@Vesmic87 @David_n_Texas @trwsenti

$65,000/year sounds great until you do the maths. $14,300 federal tax $4,970 state tax $4,973 FICA $18,000 rent $7,200 car + insurance $6,000 food $1,800 phone + wifi $2,400 utilities Left over: $5,357/year. That's $446/month to "build your future."

@David_n_Texas @mrphinkle @trwsenti When did I say anything about my costs or spending?

@Vesmic87 @mrphinkle @trwsenti You're in your 30s and you haven't figured out how to maintain a budget and live within your means yet? Sad. Exactly my point

@ThatDamnedGamer @alphafox If you are so upset that someone honked that you get out of the car, you need to be checked into a mental institution.

@alphafox What was he honking for? Red light, turn signal on, and the cop there didn't see enough of an opening to make the turn. Yes the cop went way too far and I hope something happens from that. The dude honking was also an asshole.

He didn't realize there was a camera recording - cooked:

@mrphinkle @David_n_Texas @trwsenti I’ve never taken other people money. I’ve paid my own way since I was 19. This why how I know you are so full of shit.

@Vesmic87 @David_n_Texas @trwsenti it's not preaching when it's facts. You're just entitled and pretentious. Live within you means and stop relying on other peoples money.

@Guyonabuffalowo @MatrixMysteries Fraud in all of the government except for armed services huh?

@MatrixMysteries He intentionally has certain guests on his show. He wouldn’t undermine his product by having a veteran with no Va rating. If the guy gets $7,000 it’s probably special combat rating or something like an amputation. But a bunch of chucklefucks are going to latch onto this post.

A married couple revealed their government checks. “$142,000 a year.” From disability. $4,700 a month for her. $7,200 a month for him. What does it say about the system when they’re making more doing nothing than the taxpayers working to fund it.

@theficouple Your takes are usually awful, but not normally so objectively bad that you have to get noted. Congrats. You are an official grifter

When you bought the $50,000 Tesla Model Y to save on gas & maintenance. Then you learned: - It loses 20-35% of its value by year 3 - It loses 55-58% of its value by year 5 So by year 5 you lost $35,000+ of value? ....Congrats on saving ~$1,000/yr on gas.