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Why does it feel like homeownership quietly turned from a life milestone into a locked door? In this video, we dig past the headlines to see what the data actually says about why homes cost so much — and what, if anything, can fix it.

THE MATH THAT DOESN’T ADD UP
We open with the generational gap: parents who bought at 2–3x their income vs. buyers today staring at 7–10x. We set the stakes with real affordability stats and ask: if it’s not just “greed” or “laziness,” what actually broke the system?

WHEN A HOUSE STOPPED BEING JUST A HOUSE
We go back in time to when homes were primarily shelter, not strategy. Then we follow how decades of rising prices turned housing into a wealth machine, a retirement plan, and eventually a status symbol — and how that quietly made affordable homes the enemy of “success.”

WHAT THE NEW RESEARCH REALLY SAYS
Here we break down new research on building costs, subsidies, and supply. You’ll see why construction costs alone don’t explain today’s prices, and why some policies that sound helpful — like big buyer subsidies — can actually push prices and rents even higher when supply is locked.

IS BLACKROCK TO BLAME?
We tackle the viral claim that mega-firms are buying everything. Using real data, we separate myth from reality: what institutional investors actually own, where they really matter, and why blaming them for the entire crisis lets the true causes off the hook.

THE FIVE FORCES SQUEEZING TODAY’S BUYERS
We zoom out and stack the pressures: chronic underbuilding, high mortgage rates and the “lock-in” effect, restrictive zoning, rising construction costs, and investor activity (big and small). This is the part where “it just feels impossible” finally starts to make sense.

WHAT MIGHT ACTUALLY FIX THIS
We walk through solutions researchers say do and don’t move the needle: more building vs. more subsidies, zoning reform vs. feel-good bans, and why changing local rules matters more than shouting at Wall Street. No silver bullets — just the stuff that actually changes prices over time.

THE REAL ENEMY
We close by reframing the villain: not one company, but a web of rules, incentives, and misunderstandings that turned your starter home into someone else’s retirement strategy. You’ll leave with a clearer lens for judging headlines, promises, and policies for yourself.