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🚨 JUST NOW: The Trump White House just LAUNCHED a devastating tracker that calculates the exact cost of Democrats’ 2026 socialist policies would cost the U.S. if they win $355,000 PER HOUSEHOLD. INCOME PLUMMETS. MORTGAGE RATES SURGE! Vote red! Add about $49T to the deficit over 10 years, which...

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Eric Daugherty

1,200,816 subscribers

112,797 Aufrufe • vor 1 Tag •via X (Twitter)

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21 Kommentare

Profilbild von SonofLiberty357
SonofLiberty357vor 1 Tag

@KellyDetonated

Profilbild von Christyne
Christynevor 1 Tag

For all the total life losers telling you not to vote, this is exactly what will happen with you not voting Red ❤️🇺🇸

Profilbild von Husker4Life
Husker4Lifevor 1 Tag

Holy shit amazing. Does it have an app?

Profilbild von @him
@himvor 1 Tag

Classic democratic socialism by Burnie. @BurnieSendersX

Profilbild von James R.
James R.vor 1 Tag

These SATAN worshiping America hating bastards must never ever regain full power again or hopefully ANY power

Profilbild von Mr. E
Mr. Evor 1 Tag

This is exactly what ive been saying to every person crying about $5k checks. The checks would go back into the economy The dems plan would only drain it.

Profilbild von Mr.TightJeans
Mr.TightJeansvor 1 Tag

He should add a tariff & war cost tracker.

Profilbild von Franma🇺🇸❤️💪🇺🇸
Franma🇺🇸❤️💪🇺🇸vor 1 Tag

Let me just say this. Anyone who votes for a Democrat at this point is a fucking idiot. We finally have hard proof of what their socialist garbage would cost this country. Three hundred fifty five thousand dollars per household. Income dropping. Mortgage rates exploding. Forty nine trillion added to the deficit. And they still push it like it is some brilliant plan. It is insane. And on top of that we have an endorsement from one of the most evil regimes on earth. Iran. A government that murders its own citizens for speaking out. A government that tortures dissidents. A government that jails women for showing their hair. A government that executes protesters. A government that crushes freedom of speech. A government that disappears people who dare to question them. That is who wrote a twenty-six-page love letter to the Democrats. And Democrats act like it means nothing. They shrug it off. They pretend it is normal. They pretend it is no big deal. But we see exactly what it means. We see exactly what they push. We see exactly what kind of system they admire. And if they win they will bring every bit of that regime’s behavior right into this country. The censorship. The punishment for disagreement. The control. The fear. The destruction of anyone who stands in their way. Just what do you think communism ultimately does. It crushes the strong. It rewards the weak. It destroys the people who actually keep the country standing. It strips freedom. It strips money. It strips dignity. It turns citizens into subjects. It turns governments into monsters. And Democrats are walking straight down that path with a smile on their face. So yes. Anyone voting for that is a fucking idiot. Because they are voting for their own downfall. They are voting for the destruction of everything that keeps this country alive. They are voting for the same kind of regime that just endorsed them. Democrats, can you see why I said you would be a fucking idiot? You would be.

Profilbild von Richard Kidwell
Richard Kidwellvor 1 Tag

👍👍

Profilbild von 🅿️atriot Steve 🇺🇸 ✝️ 🦅
🅿️atriot Steve 🇺🇸 ✝️ 🦅vor 1 Tag

More reasons to vote Republican!

Profilbild von My2Common¢ents🇺🇸⚖️✝️
My2Common¢ents🇺🇸⚖️✝️vor 1 Tag

Brilliant.🇺🇸

Profilbild von SexyBlack✨❤️
SexyBlack✨❤️vor 1 Tag

The White House launched a tracker calculating the cost of Democrats' 2026 socialist policies — $355,000 per household, $49T added to the deficit. And honestly, you and @daytime6976 are the only two accounts I genuinely enjoy following

Profilbild von AmericanSanityMagazine
AmericanSanityMagazinevor 1 Tag

The Party of organized envy.

Profilbild von creek214
creek214vor 1 Tag

nigga this is how much it cost now you stupid mother fuckers

Profilbild von GiantLdaV
GiantLdaVvor 1 Tag

The information war will be won 🇺🇸

Profilbild von Just a Jarhead
Just a Jarheadvor 1 Tag

That number belongs on every midterm yard sign.

Profilbild von ✧ sophia 𖥧
✧ sophia 𖥧vor 1 Tag

$355k per household is a wild number to put on a tracker, who's doing the math on that one

Profilbild von Thomas
Thomasvor 1 Tag

People want policies that improve daily life

Profilbild von Tony McKinney
Tony McKinneyvor 1 Tag

They need to get with Spencer Pratt and make low cost commercials

Profilbild von JV
JVvor 1 Tag

The Trump White House just LAUNCHED a devastating tracker that calculates the exact cost of Democrats’ 2026 socialist policies would cost the U.S. if they win

Profilbild von KareBear
KareBearvor 1 Tag

Aren’t these the same people who call the police at a drop of a hat to scream about all their injustices?

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Household debt just hit an all-time high of $17.3 trillion. Led by credit card, car loan, and mortgage debt. That’s up $200 billion — $2 billion per day. And it brings average household debt to $132,500. The average American debt rose 21% in just 3 years. At that pace if would double in a decade — to $265,000 per family. People can’e even handle the debt they’ve got, with defaults and delinquincies rising. When it breaks millions of people will lose everything.
3:36

Household debt just hit an all-time high of $17.3 trillion. Led by credit card, car loan, and mortgage debt. That’s up $200 billion — $2 billion per day. And it brings average household debt to $132,500. The average American debt rose 21% in just 3 years. At that pace if would double in a decade — to $265,000 per family. People can’e even handle the debt they’ve got, with defaults and delinquincies rising. When it breaks millions of people will lose everything.

Peter St Onge, Ph.D.

911,180 Aufrufe • vor 2 Jahren

Kevin O’Leary says if you are spending more than 33% of your income to maintain your house, it's too expensive for you “Never let the mortgage and the cost of maintaining the house be more than one third of your income. If it's more than one third, you bought too much house” “The mistake that people made, and they're starting to suffer from it now, is when money was so cheap, mortgage rates were under 4%, some of them were 3.2%, they bought massive houses. Now they're running into having to refinance those houses at much higher rates, more than 7%, and it's becoming 60, 70, 80% of their income. They're screwed. They bought too much house”
0:44

Kevin O’Leary says if you are spending more than 33% of your income to maintain your house, it's too expensive for you “Never let the mortgage and the cost of maintaining the house be more than one third of your income. If it's more than one third, you bought too much house” “The mistake that people made, and they're starting to suffer from it now, is when money was so cheap, mortgage rates were under 4%, some of them were 3.2%, they bought massive houses. Now they're running into having to refinance those houses at much higher rates, more than 7%, and it's becoming 60, 70, 80% of their income. They're screwed. They bought too much house”

Mikli

22,913 Aufrufe • vor 4 Monaten

David Friedberg: Higher Interest Rates Are About to Make America’s $40 Trillion Debt Problem Much Worse “The federal government has a problem because over the next 12 months they have to refinance $10 trillion of debt. That debt is coming due. Those bonds are now due. They have to pay the principal back to the bond holders, and they have to go back to the treasury market and sell more treasuries to borrow more money to refinance. So the borrowing cost now is going to climb up, and when that borrowing cost climbs up, the federal government's burn goes up and the fiscal deficit goes up. So my theory and my argument on this is: There is no action that Bessent can take that's actually going to have a meaningful effect on the long end of the curve. We have a fundamental fiscal spending problem with the federal government right now. It is very expensive now to borrow money if you're the US federal government. And the reason is persistent inflation, I would argue because of excess government spending on social programs and other things. And the big problem at this point is the federal government is spending so much that if they were to cut spending aggressively, the argument and the concern is it would hit unemployment and it would cause a recession because the federal government is such an intricate part of the economy now. That's the argument. But it's causing inflation, and it's causing deficit spending. So this year the deficit will be roughly $2 trillion. And as a result, the market is saying, ‘We're worried about the US fiscal solvency over the long run, or there's a higher risk. As a result, we're going to charge you a higher interest, 5.2% on the 30 year.’ What does this mean for the federal government? Well, today, the federal government's average cost of debt is 3.4%. That's what we're paying on interest on average on the $40 trillion of debt that the federal government has outstanding. For every 1% change in the interest rate, the US government has to pay 1.25% of GDP in excess interest each year. 1.25% of GDP in interest each year for that 1% change in the interest rate.”
1:58

David Friedberg: Higher Interest Rates Are About to Make America’s $40 Trillion Debt Problem Much Worse “The federal government has a problem because over the next 12 months they have to refinance $10 trillion of debt. That debt is coming due. Those bonds are now due. They have to pay the principal back to the bond holders, and they have to go back to the treasury market and sell more treasuries to borrow more money to refinance. So the borrowing cost now is going to climb up, and when that borrowing cost climbs up, the federal government's burn goes up and the fiscal deficit goes up. So my theory and my argument on this is: There is no action that Bessent can take that's actually going to have a meaningful effect on the long end of the curve. We have a fundamental fiscal spending problem with the federal government right now. It is very expensive now to borrow money if you're the US federal government. And the reason is persistent inflation, I would argue because of excess government spending on social programs and other things. And the big problem at this point is the federal government is spending so much that if they were to cut spending aggressively, the argument and the concern is it would hit unemployment and it would cause a recession because the federal government is such an intricate part of the economy now. That's the argument. But it's causing inflation, and it's causing deficit spending. So this year the deficit will be roughly $2 trillion. And as a result, the market is saying, ‘We're worried about the US fiscal solvency over the long run, or there's a higher risk. As a result, we're going to charge you a higher interest, 5.2% on the 30 year.’ What does this mean for the federal government? Well, today, the federal government's average cost of debt is 3.4%. That's what we're paying on interest on average on the $40 trillion of debt that the federal government has outstanding. For every 1% change in the interest rate, the US government has to pay 1.25% of GDP in excess interest each year. 1.25% of GDP in interest each year for that 1% change in the interest rate.”

The All-In Podcast

334,932 Aufrufe • vor 1 Monat

In the same sermon, Carlson also claims the tax code punishes you for paying off your mortgage: you would "pay more in taxes every year," which he calls "a form of slavery." Since 2018 roughly 90% of filers take the standard deduction and get zero tax benefit from mortgage interest. For the rest, the deduction returns about 30 cents per dollar of interest paid to the bank. The trade he is describing has never worked once. He is very concerned about your enslavement to the banks. The segment brought to you by American Financing: Your home for home loans.
0:32

In the same sermon, Carlson also claims the tax code punishes you for paying off your mortgage: you would "pay more in taxes every year," which he calls "a form of slavery." Since 2018 roughly 90% of filers take the standard deduction and get zero tax benefit from mortgage interest. For the rest, the deduction returns about 30 cents per dollar of interest paid to the bank. The trade he is describing has never worked once. He is very concerned about your enslavement to the banks. The segment brought to you by American Financing: Your home for home loans.

Max 📟

22,244 Aufrufe • vor 1 Monat

Investigation finds a contributor to rising California home prices Proposition 13 was passed which caps property tax increases at 2% per year based on the most recent purchase price But if anyone was to sell and move, they would take in a much higher tax bill “This encourages owners to stay put and not move and take on a higher tax bill. On top of that, tax laws can make it even less attractive to sell. If owners in California sell their homes, they generally pay taxes on gains more than $250,000 or $500,000 for couples. But if they hold onto their homes and pass it on to their heirs, that tax bill virtually disappears. Their heirs would only need to pay taxes on gains over the value of the home's market price on the date of the previous owner's death. When homeowners are reluctant to sell, that means fewer homes are on the market, which pushes prices higher and then serves as an incentive for other owners not to sell. One realtor calls this a negative feedback loop.”
1:21

Investigation finds a contributor to rising California home prices Proposition 13 was passed which caps property tax increases at 2% per year based on the most recent purchase price But if anyone was to sell and move, they would take in a much higher tax bill “This encourages owners to stay put and not move and take on a higher tax bill. On top of that, tax laws can make it even less attractive to sell. If owners in California sell their homes, they generally pay taxes on gains more than $250,000 or $500,000 for couples. But if they hold onto their homes and pass it on to their heirs, that tax bill virtually disappears. Their heirs would only need to pay taxes on gains over the value of the home's market price on the date of the previous owner's death. When homeowners are reluctant to sell, that means fewer homes are on the market, which pushes prices higher and then serves as an incentive for other owners not to sell. One realtor calls this a negative feedback loop.”

Wall Street Apes

46,909 Aufrufe • vor 6 Monaten

🔥FACT: Democrats are putting Virginia back in RGGI, which will cost $500 million per year - about $1,100 per household. That’s a TAX - and every Virginian with a power bill will pay it. Virginians paid $828 million in ENERGY TAXES on their power bills under RGGI, and removing Virginia from the program saved $937 million. Revenues were $600 million higher than expected for last year. If Democrats want to fund something, they should use the money already set aside - not go back to take more from hard-working families. Energy taxes are not affordability.
1:28

🔥FACT: Democrats are putting Virginia back in RGGI, which will cost $500 million per year - about $1,100 per household. That’s a TAX - and every Virginian with a power bill will pay it. Virginians paid $828 million in ENERGY TAXES on their power bills under RGGI, and removing Virginia from the program saved $937 million. Revenues were $600 million higher than expected for last year. If Democrats want to fund something, they should use the money already set aside - not go back to take more from hard-working families. Energy taxes are not affordability.

VA Senate GOP

11,301 Aufrufe • vor 7 Monaten

Washington State Democrats lied. Their new income tax on millionaires isn’t just for people making over $1 per year “It’s not just the millionaires who are gonna face this tax. In fact, couples whose combined income is a million dollars or more will also be taxed. Tax experts call it the marriage penalty. So if you have two individuals who each make $600,000, neither would pay the state income tax if they filed as individuals, but if they are married and they file jointly, they would owe a tax of about $20,000” And so it begins… next they’ll start lowering the threshold and it’ll soon apply to everyone
1:24

Washington State Democrats lied. Their new income tax on millionaires isn’t just for people making over $1 per year “It’s not just the millionaires who are gonna face this tax. In fact, couples whose combined income is a million dollars or more will also be taxed. Tax experts call it the marriage penalty. So if you have two individuals who each make $600,000, neither would pay the state income tax if they filed as individuals, but if they are married and they file jointly, they would owe a tax of about $20,000” And so it begins… next they’ll start lowering the threshold and it’ll soon apply to everyone

Wall Street Apes

213,774 Aufrufe • vor 6 Monaten

Kevin Walsh took over the Fed with three choices to make... (only ONE is politically viable) Choice 1: Raise rates Higher rates would push the economy into recession and tank your retirement portfolio. The government already pays over $1T per year just in interest on the $39T national debt and can't afford to pay more. Choice 2: Hold rates steady Inflation lets the government repay the $39T debt with cheaper dollars each year. But because they keep borrowing $2T every year, the debt keeps growing. The problem is still there. Choice 3: Cut rates and print money The dollar weakens, inflation runs hotter, and the real value of the $39T debt shrinks year after year. The government has no choice to do this and you pay the price. If you hold cash or bonds (and the average American does), you pay the cost. This is what happened in 1946, before inflation erode the value of the dollar by 50% over the next 28 years.
1:17

Kevin Walsh took over the Fed with three choices to make... (only ONE is politically viable) Choice 1: Raise rates Higher rates would push the economy into recession and tank your retirement portfolio. The government already pays over $1T per year just in interest on the $39T national debt and can't afford to pay more. Choice 2: Hold rates steady Inflation lets the government repay the $39T debt with cheaper dollars each year. But because they keep borrowing $2T every year, the debt keeps growing. The problem is still there. Choice 3: Cut rates and print money The dollar weakens, inflation runs hotter, and the real value of the $39T debt shrinks year after year. The government has no choice to do this and you pay the price. If you hold cash or bonds (and the average American does), you pay the cost. This is what happened in 1946, before inflation erode the value of the dollar by 50% over the next 28 years.

Felix Prehn 🐶

82,157 Aufrufe • vor 3 Monaten

Democrats independence a bill to abolish the income tax on lower income Americans, but increase the income tax on high earners “Under the bill, any income up to $46,000 for individuals, or $92,000 for couples would not be subject to enter any federal income taxes” “Now, to fund it taxpayers making more than a million dollars a year would get a progressive tax hike - Those making between $1 and 2 million would pay an extra 5% for a total top rate of 42% (current federal) - Those making more than $5 million a year would have a top federal rate of 59% So what does that mean? Well, someone here in New York City making more than $5 million a year, their combined state, city, and federal rate would be over 73%. For New Jersey taxpayers making more than million a year, the combined state and federal rate would be over 69%”
1:25

Democrats independence a bill to abolish the income tax on lower income Americans, but increase the income tax on high earners “Under the bill, any income up to $46,000 for individuals, or $92,000 for couples would not be subject to enter any federal income taxes” “Now, to fund it taxpayers making more than a million dollars a year would get a progressive tax hike - Those making between $1 and 2 million would pay an extra 5% for a total top rate of 42% (current federal) - Those making more than $5 million a year would have a top federal rate of 59% So what does that mean? Well, someone here in New York City making more than $5 million a year, their combined state, city, and federal rate would be over 73%. For New Jersey taxpayers making more than million a year, the combined state and federal rate would be over 69%”

Wall Street Apes

96,079 Aufrufe • vor 6 Monaten

Socialists keep saying "the rich don't pay their fair share in taxes." Charles Payne just ran the actual numbers and ENDED their narrative in under 2 minutes. The top 1% pay roughly 40% of federal income taxes while earning about 22% of the income. The top 10% (the entrepreneurs and small business owners putting in 60-hour weeks) pay over 70% of the total taxes. If we were to tax people based on how much they use services, the top earners would be paying close to ZERO. PAYNE: "Be thankful we live in a country that's as progressive as it is because it's a pretty good balance right now." FUN FACT: Elizabeth Warren called Elon Musk a "freeloader" in 2021 and said we have to "change the rigged tax code so The Person of the Year will actually pay taxes." Musk replied: "If you opened your eyes for 2 seconds, you would realize I will pay more taxes than any American in history this year." Musk paid $11,000,000,000 that year in taxes.
1:51

Socialists keep saying "the rich don't pay their fair share in taxes." Charles Payne just ran the actual numbers and ENDED their narrative in under 2 minutes. The top 1% pay roughly 40% of federal income taxes while earning about 22% of the income. The top 10% (the entrepreneurs and small business owners putting in 60-hour weeks) pay over 70% of the total taxes. If we were to tax people based on how much they use services, the top earners would be paying close to ZERO. PAYNE: "Be thankful we live in a country that's as progressive as it is because it's a pretty good balance right now." FUN FACT: Elizabeth Warren called Elon Musk a "freeloader" in 2021 and said we have to "change the rigged tax code so The Person of the Year will actually pay taxes." Musk replied: "If you opened your eyes for 2 seconds, you would realize I will pay more taxes than any American in history this year." Musk paid $11,000,000,000 that year in taxes.

The Vigilant Fox 🦊

878,238 Aufrufe • vor 1 Monat

🚨 JUST IN: HUD Sec. Scott Turner confirms mortgage rates have PLUMMETED to multi-year lows under President Trump The Experts said it was impossible! "The 30 year fixed mortgage rate dipped to a multi year lows, driving monthly payments down for two years at the lowest levels." "So more people can get a mortgage now. More families can be able to afford to get a home and achieve the American dream." "At HUD last year, we helped to support over one million people through FHA to be able to buy a home!" "500,000 of those were first time home buyers and hundreds of thousands of our veterans we supported." "And so that's good news that millions of people in our country are now beginning to buy homes." "We also are making bold action to ban institutional investors from buying single family homes. Those homes are for the American people!" "Also work with Director Pulte over at FHFA to buy 200 billion dollars worth of mortgage backed securities, driving down even more the cost to get a home."
1:43

🚨 JUST IN: HUD Sec. Scott Turner confirms mortgage rates have PLUMMETED to multi-year lows under President Trump The Experts said it was impossible! "The 30 year fixed mortgage rate dipped to a multi year lows, driving monthly payments down for two years at the lowest levels." "So more people can get a mortgage now. More families can be able to afford to get a home and achieve the American dream." "At HUD last year, we helped to support over one million people through FHA to be able to buy a home!" "500,000 of those were first time home buyers and hundreds of thousands of our veterans we supported." "And so that's good news that millions of people in our country are now beginning to buy homes." "We also are making bold action to ban institutional investors from buying single family homes. Those homes are for the American people!" "Also work with Director Pulte over at FHFA to buy 200 billion dollars worth of mortgage backed securities, driving down even more the cost to get a home."

Eric Daugherty

18,235 Aufrufe • vor 8 Monaten

According to the President of the American Aluminum Association - for the US to setup a new Aluminum smelting factory - it would take 8-10 years, *if* they could find a power grid strong enough and willing to commit to 20+ years of service. Every one 🇨🇦 Aluminum job = 13 American jobs. Effectively gutting American jobs, raising costs for at least a decade. *Or*… they could continue purchasing from Canada at the current rates.. rates that Trump negotiated in 2018 that he called “perfect”.
0:27

According to the President of the American Aluminum Association - for the US to setup a new Aluminum smelting factory - it would take 8-10 years, *if* they could find a power grid strong enough and willing to commit to 20+ years of service. Every one 🇨🇦 Aluminum job = 13 American jobs. Effectively gutting American jobs, raising costs for at least a decade. *Or*… they could continue purchasing from Canada at the current rates.. rates that Trump negotiated in 2018 that he called “perfect”.

Morgan Cameron Ross

1,670,926 Aufrufe • vor 1 Jahr

🚨 WARNING FOR ALL CALIFORNIA EMPLOYERS Your federal payroll taxes are going up — again — because Governor Newsom refuses to pay off California’s massive unemployment insurance debt. California is the only state in America that still hasn’t repaid its federal UI loan — now over $21 billion and growing. Instead of using record revenue to pay it down, Sacramento is forcing employers to shoulder the burden through automatic increases in federal unemployment taxes (FUTA). This means higher costs per employee every year the debt remains unpaid. We’re demanding the Governor allocate real resources to pay off this debt so businesses aren’t punished for Sacramento’s mismanagement. Thank you to Congressman Vince Fong for introducing the CAL Repayment Act to force California to do the responsible thing. In a record revenue year, they still claim they don’t have enough of your money. If they can’t pay this off now, they never will.
1:20

🚨 WARNING FOR ALL CALIFORNIA EMPLOYERS Your federal payroll taxes are going up — again — because Governor Newsom refuses to pay off California’s massive unemployment insurance debt. California is the only state in America that still hasn’t repaid its federal UI loan — now over $21 billion and growing. Instead of using record revenue to pay it down, Sacramento is forcing employers to shoulder the burden through automatic increases in federal unemployment taxes (FUTA). This means higher costs per employee every year the debt remains unpaid. We’re demanding the Governor allocate real resources to pay off this debt so businesses aren’t punished for Sacramento’s mismanagement. Thank you to Congressman Vince Fong for introducing the CAL Repayment Act to force California to do the responsible thing. In a record revenue year, they still claim they don’t have enough of your money. If they can’t pay this off now, they never will.

David Tangipa

43,226 Aufrufe • vor 4 Monaten

🚨EVERYONE SHOULD KNOW ABOUT THIS PER MILE TAX. California just implemented a law that states developers should be subject to a Vehicle Miles Traveled (VMT) tax if they “drive too much” to complete a project. This would consist of an upwards of $16,000 per unit they build. The bill won’t get “eaten up,” it will just be built into the price of a mortgage or rent. Don’t think this isn’t coming to you. Oregon already implemented a program in 2015 and some activists want a nationwide program. Could you imagine the implications for the rates of ride-sharing? They will certainly go up as the costs get passed down to you. Biden already approved just the study for this. Insane!
2:46

🚨EVERYONE SHOULD KNOW ABOUT THIS PER MILE TAX. California just implemented a law that states developers should be subject to a Vehicle Miles Traveled (VMT) tax if they “drive too much” to complete a project. This would consist of an upwards of $16,000 per unit they build. The bill won’t get “eaten up,” it will just be built into the price of a mortgage or rent. Don’t think this isn’t coming to you. Oregon already implemented a program in 2015 and some activists want a nationwide program. Could you imagine the implications for the rates of ride-sharing? They will certainly go up as the costs get passed down to you. Biden already approved just the study for this. Insane!

Max Bonilla

101,281 Aufrufe • vor 10 Monaten

Housing Affordability Will Return the Hard Way New homes selling for less than existing homes means builders are being forced to respond to the market before homeowners are. Builders carry construction loans, land costs, payroll and unsold inventory. They cannot wait indefinitely, so they cut prices, reduce square footage and offer mortgage rate buydowns. Existing owners with 3% or 4% mortgages can simply refuse to sell. Price discovery is therefore appearing first in new construction while resale prices remain supported by restricted supply. The comparison is not perfectly equal because new homes are increasingly smaller and concentrated in lower-cost regions. Even so, the reversal matters. A market that historically placed a premium on new construction now requires discounts to move inventory. Mortgage Demand Has Collapsed The deeper signal is mortgage activity. The purchase application index is roughly 35% below its long term average and about 70% below its 2005 peak. Application volume has fallen toward levels last seen around 1995 even though the U.S. population is nearly 29% larger. Measured per person, purchase application activity is therefore about 22% lower than it was three decades ago. In practical terms, a much larger country is producing nearly one quarter fewer mortgage applications per capita. This is not a lack of interest in owning a home. It is a failure of affordability. Mortgage rates were around 7.5% to 8% in 1995, but the median new home cost roughly $133,000. Today rates are somewhat lower, yet home prices are more than three times higher. Monthly payments have risen much faster than household incomes, while down payments, taxes and insurance have become larger barriers of their own. Transactions Usually Break Before Prices The historical pattern is that housing volume weakens before home prices fully adjust. That happened during the 2006 to 2008 downturn. Buyers disappeared first, inventory accumulated later, and prices fell more decisively once unemployment rose and forced selling increased. Today the mortgage lock in has delayed that process. Owners with low rates are holding properties off the market, preventing inventory from rising enough to clear prices. Builders do not have that luxury, which is why they are cutting first. Why Lower Rates May Not Be Enough Lower mortgage rates alone could bring sidelined buyers back and place another floor under prices. Real affordability requires both lower financing costs and lower home prices relative to income. That combination usually appears when the economy is weakening. Rising unemployment reduces household formation, forces some owners to sell and breaks the lock in effect. Inventory rises just as demand falls. Mortgage rates decline because growth and inflation are deteriorating, but lending standards tighten and fewer people feel secure enough to buy. That is the cruel part of the housing cycle. Homes become more affordable only after buyers become scarcer. The people who benefit most are those who retain employment, liquidity and access to credit through the downturn. Hormuz Could Accelerate The Reset A sustained Strait of Hormuz disruption would intensify this process with a lag. Higher oil prices raise gasoline, freight, airline, food and production costs. Households lose discretionary income, businesses see margins compressed and hiring slows. At first, the inflation shock could keep long term yields and mortgage rates elevated even as demand weakens. Later, if unemployment continues to rise and consumption deteriorates, rates would fall because the economy is breaking beneath the surface. That is the most likely path back to affordability. Not a painless return to cheap mortgages, but a recessionary reset in which employment weakens, forced supply increases and falling rates arrive too late to protect everyone.
0:23

Housing Affordability Will Return the Hard Way New homes selling for less than existing homes means builders are being forced to respond to the market before homeowners are. Builders carry construction loans, land costs, payroll and unsold inventory. They cannot wait indefinitely, so they cut prices, reduce square footage and offer mortgage rate buydowns. Existing owners with 3% or 4% mortgages can simply refuse to sell. Price discovery is therefore appearing first in new construction while resale prices remain supported by restricted supply. The comparison is not perfectly equal because new homes are increasingly smaller and concentrated in lower-cost regions. Even so, the reversal matters. A market that historically placed a premium on new construction now requires discounts to move inventory. Mortgage Demand Has Collapsed The deeper signal is mortgage activity. The purchase application index is roughly 35% below its long term average and about 70% below its 2005 peak. Application volume has fallen toward levels last seen around 1995 even though the U.S. population is nearly 29% larger. Measured per person, purchase application activity is therefore about 22% lower than it was three decades ago. In practical terms, a much larger country is producing nearly one quarter fewer mortgage applications per capita. This is not a lack of interest in owning a home. It is a failure of affordability. Mortgage rates were around 7.5% to 8% in 1995, but the median new home cost roughly $133,000. Today rates are somewhat lower, yet home prices are more than three times higher. Monthly payments have risen much faster than household incomes, while down payments, taxes and insurance have become larger barriers of their own. Transactions Usually Break Before Prices The historical pattern is that housing volume weakens before home prices fully adjust. That happened during the 2006 to 2008 downturn. Buyers disappeared first, inventory accumulated later, and prices fell more decisively once unemployment rose and forced selling increased. Today the mortgage lock in has delayed that process. Owners with low rates are holding properties off the market, preventing inventory from rising enough to clear prices. Builders do not have that luxury, which is why they are cutting first. Why Lower Rates May Not Be Enough Lower mortgage rates alone could bring sidelined buyers back and place another floor under prices. Real affordability requires both lower financing costs and lower home prices relative to income. That combination usually appears when the economy is weakening. Rising unemployment reduces household formation, forces some owners to sell and breaks the lock in effect. Inventory rises just as demand falls. Mortgage rates decline because growth and inflation are deteriorating, but lending standards tighten and fewer people feel secure enough to buy. That is the cruel part of the housing cycle. Homes become more affordable only after buyers become scarcer. The people who benefit most are those who retain employment, liquidity and access to credit through the downturn. Hormuz Could Accelerate The Reset A sustained Strait of Hormuz disruption would intensify this process with a lag. Higher oil prices raise gasoline, freight, airline, food and production costs. Households lose discretionary income, businesses see margins compressed and hiring slows. At first, the inflation shock could keep long term yields and mortgage rates elevated even as demand weakens. Later, if unemployment continues to rise and consumption deteriorates, rates would fall because the economy is breaking beneath the surface. That is the most likely path back to affordability. Not a painless return to cheap mortgages, but a recessionary reset in which employment weakens, forced supply increases and falling rates arrive too late to protect everyone.

EndGame Macro

251,569 Aufrufe • vor 2 Monaten

What another AMAZING “coincidence” California had just passed new tax laws, if your home burns down and you don’t rebuild within 2 years (impossible in California) you lose your tax basis. Your property taxes SKYROCKET to the new values of the property “Think about a home that was purchased many years ago for $5 million. Let's say they were paying $65,000 a year in property taxes. Property goes up a lot over time, especially in these areas. Maybe the value today is $30 million. They go to rebuild it. If it was not, if they couldn't transfer the tax basis, you're looking at like $400,000 a year that they would have to pay” “In 2020, California voters approved a bill that basically said that if your house burns down in a fire, you can transfer the tax basis of that property to something that you buy or something that you build. But you only have two years to do it.” So some of the most expensive homes and properties the entire world now will get reassessed to pay maximum property tax values….
0:59

What another AMAZING “coincidence” California had just passed new tax laws, if your home burns down and you don’t rebuild within 2 years (impossible in California) you lose your tax basis. Your property taxes SKYROCKET to the new values of the property “Think about a home that was purchased many years ago for $5 million. Let's say they were paying $65,000 a year in property taxes. Property goes up a lot over time, especially in these areas. Maybe the value today is $30 million. They go to rebuild it. If it was not, if they couldn't transfer the tax basis, you're looking at like $400,000 a year that they would have to pay” “In 2020, California voters approved a bill that basically said that if your house burns down in a fire, you can transfer the tax basis of that property to something that you buy or something that you build. But you only have two years to do it.” So some of the most expensive homes and properties the entire world now will get reassessed to pay maximum property tax values….

Wall Street Apes

3,035,907 Aufrufe • vor 1 Jahr

🚨 THEY JUST GOT APPROVAL TO SELL SUNLIGHT FROM SPACE — YOU'LL SOON HAVE TO PAY FOR THE SUN A company called Reflect Orbital just got the green light to control and sell sunlight to customers using satellites. Their pitch? Hit a button on an app and they’ll beam sunlight from space to your exact location in under 30 seconds. Cost? A couple thousand dollars per hour. They want to put a constellation of satellites in orbit that can reflect sunlight on demand, basically renting out the sun. This is next-level control. First they take the land, then the water, now they want the sky. Would you pay for sunlight?
0:45

🚨 THEY JUST GOT APPROVAL TO SELL SUNLIGHT FROM SPACE — YOU'LL SOON HAVE TO PAY FOR THE SUN A company called Reflect Orbital just got the green light to control and sell sunlight to customers using satellites. Their pitch? Hit a button on an app and they’ll beam sunlight from space to your exact location in under 30 seconds. Cost? A couple thousand dollars per hour. They want to put a constellation of satellites in orbit that can reflect sunlight on demand, basically renting out the sun. This is next-level control. First they take the land, then the water, now they want the sky. Would you pay for sunlight?

HustleBitch

81,445 Aufrufe • vor 2 Monaten

🚨 THIS NUMBER SHOULD NOT EXIST The U.S. housing market is now at the most unaffordable level in history. Worse than the legendary 2006 housing bubble: The median U.S. home now costs $436,000. Five years ago? $270,000. That’s a 61.5% price increase. Wages over the same period? +29%. To qualify for a mortgage on a median-priced home today, Americans need a minimum of $127,000 in household income. The median household earns about $80,000. That means 75% of homes on the market are unaffordable for the average American family. 3 out of 4. Mortgage rates are the second punch. They went from 2.7% to 6.3% in just five years. Even if prices hadn’t moved, monthly payments would’ve nearly doubled. And here’s the part nobody wants to say out loud: On January 29th, Trump told his Cabinet he does not want housing prices to fall. He wants them higher. That’s great if you already own. It’s brutal if you’re trying to buy your first home. 99% of U.S. counties are less affordable than their historical norms. The country is short roughly 7.1 million homes. And construction is slowing. Existing home sales in 2025 are tracking around 4.1 million. That’s near the lowest level in three decades. Homeownership has fallen to 65%, down from 69% in 2004. This is the largest affordability crisis in modern U.S. housing history. Prices went up. Rates went up. Wages did not. And politicians do not want prices to fall. The average American family is not waiting for a better entry. That is the trap. They are locked out of the market. Reminder: I’ve called all the market tops and bottoms for the last 15 years, including the Bitcoin bottom at $16,000 and the top at $126,000. The next call will be even more important. When I exit the markets completely, I’ll post it here publicly like I always do. Turn notifications on. If you’re not following yet, you’ll understand why that was a mistake later.
0:40

🚨 THIS NUMBER SHOULD NOT EXIST The U.S. housing market is now at the most unaffordable level in history. Worse than the legendary 2006 housing bubble: The median U.S. home now costs $436,000. Five years ago? $270,000. That’s a 61.5% price increase. Wages over the same period? +29%. To qualify for a mortgage on a median-priced home today, Americans need a minimum of $127,000 in household income. The median household earns about $80,000. That means 75% of homes on the market are unaffordable for the average American family. 3 out of 4. Mortgage rates are the second punch. They went from 2.7% to 6.3% in just five years. Even if prices hadn’t moved, monthly payments would’ve nearly doubled. And here’s the part nobody wants to say out loud: On January 29th, Trump told his Cabinet he does not want housing prices to fall. He wants them higher. That’s great if you already own. It’s brutal if you’re trying to buy your first home. 99% of U.S. counties are less affordable than their historical norms. The country is short roughly 7.1 million homes. And construction is slowing. Existing home sales in 2025 are tracking around 4.1 million. That’s near the lowest level in three decades. Homeownership has fallen to 65%, down from 69% in 2004. This is the largest affordability crisis in modern U.S. housing history. Prices went up. Rates went up. Wages did not. And politicians do not want prices to fall. The average American family is not waiting for a better entry. That is the trap. They are locked out of the market. Reminder: I’ve called all the market tops and bottoms for the last 15 years, including the Bitcoin bottom at $16,000 and the top at $126,000. The next call will be even more important. When I exit the markets completely, I’ll post it here publicly like I always do. Turn notifications on. If you’re not following yet, you’ll understand why that was a mistake later.

Alex Mason 👁△

77,498 Aufrufe • vor 3 Monaten

James Moore "$53 billion per year is what we're paying to service the debt. In the budget that was just tabled today it's now over $70 billion." "Again, to put that number in perspective, if as a revenue stream you would have to have a 15% GST in this country to draw in the revenue necessary just to pay for the cost of servicing our debt." "And then there's this admission, like in the budget document itself, it says this quote, if Canada's productivity growth had matched the United States from 2017 to 2023, the median income of a family of one child would be nearly 11, $11,000 higher." "Like just explicitly in the budget saying that the last 10 years have failed." "And that's text from a budget being delivered by Francois Philippe Champagne, who is a key minister in that government." James Moore The Vassy Kapelos Show
1:59

James Moore "$53 billion per year is what we're paying to service the debt. In the budget that was just tabled today it's now over $70 billion." "Again, to put that number in perspective, if as a revenue stream you would have to have a 15% GST in this country to draw in the revenue necessary just to pay for the cost of servicing our debt." "And then there's this admission, like in the budget document itself, it says this quote, if Canada's productivity growth had matched the United States from 2017 to 2023, the median income of a family of one child would be nearly 11, $11,000 higher." "Like just explicitly in the budget saying that the last 10 years have failed." "And that's text from a budget being delivered by Francois Philippe Champagne, who is a key minister in that government." James Moore The Vassy Kapelos Show

cbcwatcher

106,933 Aufrufe • vor 11 Monaten

The Wall Street Journal Editorial Board tears apart Trump’s tariffs in a blistering editorial: “The President is right that his tariffs are at work—in destroying U.S. jobs and raising prices. The U.S. has lost some 75,000 manufacturing jobs since January 2025, including 25,900 in motor vehicle and parts production... there’s no question his tariffs are raising costs for U.S. manufacturers.…Mr. Trump and his advisers claim that foreigners pay his border taxes, but the evidence shows that U.S. companies, workers and consumers are picking up most of the tab. The Anderson Economic Group estimates that auto tariffs on Canada and Mexico alone added about $1,600 to the cost of each car made in the U.S. last year. While auto makers absorbed some of the Trump tariff costs, they also passed on a large share to customers…Call it the Trump tax.”
0:28

The Wall Street Journal Editorial Board tears apart Trump’s tariffs in a blistering editorial: “The President is right that his tariffs are at work—in destroying U.S. jobs and raising prices. The U.S. has lost some 75,000 manufacturing jobs since January 2025, including 25,900 in motor vehicle and parts production... there’s no question his tariffs are raising costs for U.S. manufacturers.…Mr. Trump and his advisers claim that foreigners pay his border taxes, but the evidence shows that U.S. companies, workers and consumers are picking up most of the tab. The Anderson Economic Group estimates that auto tariffs on Canada and Mexico alone added about $1,600 to the cost of each car made in the U.S. last year. While auto makers absorbed some of the Trump tariff costs, they also passed on a large share to customers…Call it the Trump tax.”

Republicans against Trump

562,984 Aufrufe • vor 2 Monaten