A 50-year mortgage is basically the government admitting you’ll die before your house is paid off.
Great for capital allocators. Horrible for everyone else.
Completely dystopian.
Here’s the actual math behind the 50-year mortgage “savings”:
30-yr mortgage payment: $2,022/mo
50-yr mortgage payment: $1,784/mo
“Savings”: $238/mo
If you invest that $238/mo into Bitcoin at 15% CAGR, after 50 years you’d have: $12.4 million
At 20% CAGR: $129 million
At 25% CAGR: $1.4 billion
Meanwhile:
Extra interest you pay on the 50-yr mortgage vs 30-yr: $393,920
That’s the bank’s compounding, not yours.
The 50-year mortgage only “helps” people who invest the difference.
Everyone else just gives the bank an extra four decades of interest.
This is how a society creates investors on one side and lifetime renters on the other.
