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One For The MoneyListen to hear Jonny break down the tips, tricks, and strategies he uses to help clients retire early. Author: Jonny West
Listen to hear Jonny break down the tips, tricks, and strategies he uses to help clients retire early. This is the "easy button" when it comes to early retirement because everything you want and need to know is right here. Jonny will lay it all out in plain English so you can get the details on the actions you can do to put yourself on the best path to early retirement. He'll also interview top real estate, tax, and estate planning and other professionals to provide a comprehensive approach to your retirement planning. Nobody builds wealth by accident. Listen to find out how you can do it on purpose. Language: en Genres: Business, Education, How To, Investing Contact email: Get it Feed URL: Get it iTunes ID: Get it Trailer: |
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America’s Housing Crisis — What Broke It and How We Fix It - Ep #103
Episode 103
Sunday, 1 February, 2026
There aren’t enough homes. Homes are too expensive. And mortgage rates are too high.In Episode 103 of One for the Money, I break down how the U.S. housing crisis was created, why it persists, and what realistic solutions could actually improve affordability.This episode goes beyond headlines and politics to diagnose the root causes of the crisis—using plain economics, real-world examples, and historical context. We also share practical guidance for anyone considering buying a home in today’s challenging market.🎧 What You’ll Learn in This EpisodeWhy the housing crisis is fundamentally a supply-and-demand problemHow the early 2000s housing boom and NINJA loans set the stage for collapseWhy the Great Recession permanently reduced housing supplyHow zoning laws and building regulations increased home pricesThe role ultra-low interest rates played in fueling demandHow COVID-19 accelerated housing inflation at historic levelsWhy inflation and Fed rate hikes froze the housing marketThe “rate lock-in” effect keeping homeowners from sellingWhy younger generations are being priced out of homeownership🏡 Data Points DiscussedU.S. home prices rose 40–50% between 2020–2022Average long-term home appreciation (1990–2023): ~4.4% annuallyMortgage rates jumped from the mid-3% range to mid-6%Median age of first-time homebuyers rose from 32 (2000) to ~40 (2025)💡 Solutions ExploredWhy 50-year mortgages would likely make the problem worseThe potential of portable (assumable) mortgages to unlock supplyTargeted rate incentives for first-time buyersWhy boosting supply—not demand—is the key to fixing housing🧠 Tips, Tricks & Strategies SegmentPractical advice for anyone thinking about buying a home:Why your primary residence should not be treated as an investmentWhy staying in a home at least 10 years often makes the math workWhen relocating may make financial senseHow to choose a home that allows you to grow and age in place
