Replying to Avatar MDB

A 50 year mortgage is just kicking the bucket down the road

Take simple numbers

Thirty year: about 2,997 per month on 500k at 6 percent

Fifty year: about 2,643 per month

You feel richer because your monthly drops about 350.

But the only reason it drops is because you agreed to stretch the pain from 360 payments to 600 payments.

Over 30 years you pay around 1.08 million total.

Over 50 years you pay around 1.59 million total.

That is what “kicking the bucket down the line” really is

Now connect this to the housing “crisis”

The real bottleneck for most buyers is not the sticker price

It is the monthly payment relative to income.

That means

normies can now bid more for the same fixed supply of houses.

Politicians and banks can then say

“Look, affordability is fixed, people can buy again.”

In reality, you just pumped demand with more leverage

Without actually solving supply

So prices get pushed even higher over time

It “fixes” the crisis the way painkillers “fix” a broken bone

the 50yr confesses

1. Wages are not keeping up.

2. Home prices are not allowed to fall.

3. The only lever left is more duration and more leverage.

Now why is this deeply bullish for Bitcoin

Because it exposes what fiat actually is

If the only way the system stays “affordable” is by turning 30 years of debt into 50

It means your money is dying faster than the narrative admits.

50yr mortgages show you the endgame

They are proof the system would rather extend your leash than allow prices or rates to reset properly.

It is a giant billboard that says

“Do not hold our currency long term.”

For anyone paying attention

That message is incredibly bullish for Bitcoin.

At that point why not just rent?

Is there any real difference?

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“You’ll own nothing and be happy.” That’s what the WEF told me.

literally

We rent because of the whole mortgage and real estate scam 😅 btw. it is cheaper in my opinion (no renovation costs)

* in germany your property (unlike in the us) is never really yours

How is the property in the us really yours? Have you heard about property tax?

we have also a property tax … but maybe you are right

Renting is probably better without repair costs, taxes, and insurance

with a mortgage, you control the property yet have none of the risks of actually owning it.

Renting, you have no control - the owner can kick you out at the end of your lease, make arbitrary rules about who can live there...If you only need a few months, rent. If you need longer term stability, mortgage.

I've been kicked out of a rental that I thought I would be in for longer - its stressful for the family, disruptive as hell, and its expensive. Lesson: have control of things that matter.