If you’re not a millionaire+
Rent.
Yes — rent.
Buying a house right now is how average people trap themselves into financial mediocrity for decades.
If you’re planning to buy your first home —
wait for a real crash.
A real reset.
A 2008-style housing collapse, not this fake “cooling” narrative.
I’ve seen every cycle: • 2008 crash
• 2020 blow-off top
• Post-COVID liquidity bubble
• Artificial price support
And I’ll say it clearly:
📉 This market is not stable
❄️ It’s frozen
The last real housing bubble topped near 266 in 2006
If you think today’s market is “healthy” —
You’re not early.
You’re late and in denial.
🧠 WHY BUYING IN 2026 IS A FINANCIAL TRAP
📊 Data shows: • 36.8% more sellers than buyers
• Demand at lowest levels since 2020 lockdowns
This isn’t a dip.
This is lost momentum.
🏦 Reality check: • Old homeowners locked at ~3% mortgages
• New buyers forced into ~6.5% 30-year rates
Translation? 👉 Nobody can move
👉 Nobody can transact
👉 No real price discovery
👉 No real liquidity
You’re paying full price for an asset that: • Has no volume
• No stress testing
• No true market clearing
Buying now =
❌ Max monthly payment
❌ Minimal upside
❌ Peak duration risk
If you’re levered 5:1 on a house that goes sideways for years while paying 6.5% interest: You’re not “building equity.”
👉 You’re bleeding capital slowly.
🏠 Homeownership in this market isn’t an investment.
It’s a liability disguised as a dream.
📉 THE REAL MACRO PLAY (UNCOMFORTABLE TRUTH)
🕰️ Wait for late 2026 → 2027
That’s when reality hits the “we’ll just wait it out” crowd:
• Divorce
• Job loss
• Relocation
• Retirement
• Cash-flow stress
• Debt pressure
This creates forced sellers in a slowing economy.
Not emotional sellers — forced sellers.
That’s when: 💥 Prices reset
💥 Liquidity returns
💥 Real opportunity appears
💥 Capital wins
Patience gets paid.
🐺 IF YOU ABSOLUTELY MUST BUY
Buy like a predator, not a consumer:
✔ Assume income drops 20%
✔ Conservative LTV only
✔ Must survive 10 years of flat/negative prices
✔ No emotional buying
✔ No lifestyle leverage
If that scares you —
👉 You can’t afford the house.
🧠 Final Truth:
Wealth is built through timing, liquidity, patience, and positioning —
not emotional decisions sold as “security”.
Renting with capital > Owning with debt
Liquidity > Illiquidity
Optionality > Obligation
Strategy > Sentiment
