It’s interesting to think that people can’t even afford the homes that they live in.

Let’s make some assumptions. You bought your home in 1995 and it was $80,000.

You’ve benefited well, made every payment, now in 2026 your home is worth $320,000 in the current market.

Can you afford to buy that home with your current income? Worse, if you sold that home, it’s not all pure profit.

Assume that you didn’t have to pay any tax or anything. The homes around you also cost around $320,000.

All else being equal, could you reasonably afford to buy a house that cost $320,000? We haven’t factored in insurance or property taxes or any maintenance costs.

Have your wages kept up with that increased cost of housing?

We’re living in a future where people can’t afford to buy the houses that they currently live in.

Unless, we have invested in the broader stock market at the same time as we were making home payments.

It’s an interesting paradox where the homes value grew more than your income did, to a point where in the future, you can’t afford the home that you bought originally. Unless you were one of the fortunate few that pursued income growth during that 30 year timeframe.

How are we affording this? It’s a crisis of affordability.

-Michael, with military.cash