this post was submitted on 30 Jul 2025
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Yes, I'm aware. And around 34% of Americans rent. No offense, but this is part of the disconnect. Home-owners (especially when they bought long ago when homes were cheaper) and out-of-touch boomers are dismissive. "Just get a loan like I did! Just earn more money! It's easy!"
Let's get the obvious out of the way: you chose to buy a home. You're also making payments on that, instead of throwing thousands away on rent every month. My rent is more every month than the mortgage for older people I know's family homes, and that's not an unusual situation! I'm a millennial, so I can only speak for myself. But many of us have to rent because what's the alternative? Live with family? Many of us don't have that option. Live on the street?
We're paying rent because we have to. Meanwhile, they jack up the rent because they have a captive audience so we can barely afford that, we certainly can't afford to save money to eventually buy a home. Many also can't afford the cost of moving, trying to get people to help them pack up and move everything, and get the time off work. This all benefits the giant corporations that are buying up all the properties to enrich themselves, but what are we to do? They have us over a barrel and they know it.
Yes the world is getting harder everyday but yes It's all still a choice for now.
Do you think I wanted to up root my entire life? Move 7 hours away from where I grew up? Leave all of my friends and family? To live 30 minutes away from the city where I don't know anyone? I didn't in case that isn't clear. But this was the only path forward to getting out from under someone's thumb with rent.
I had to use a credit card to pay for moving, it took 4 years to pay that off.
My down payment was pathetic so I will pay PMI for a long time.
It's not all rainbows and sunshine. The people who own homes are struggling too. Most people are struggling these days.
I bought about 18 months ago. After interest rates went through the roof. Cries in 6.99%