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bomicbon.eth
Joined October 2016
- Tweets 9,380
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bomicbon retweeted
The "50-year mortgage" is a disgusting insult. We are Americans. We are not slaves. We are not slaves to the plantation owner. We are not slaves to China. And we are not slaves to Wall Street. This 50-year mortgage idea is a spit in the face. It is an insult. We did not vote for this. We did not vote to become debt slaves to private equity firms, the big banks, and Wall Street.
Right now, the median home in America costs $500,000. At the prevailing mortgage rate of 6%, you would have $580,000 of interest payments over 30 years. If we went with this ridiculous, inane idea of a 50-year mortgage, that would be $1.1 million of mortgage payments for a $500,000 home. You would end up paying $1.5 million for a $500,000 house.
My grandfather was a World War II veteran. He always told me that we do not want to pass down this national debt to the next generation, to our kids and grandkids, and make them slaves to China. I am not worried about China anymore. I am worried about becoming slaves to Wall Street. And the do-nothing Republicans and know-nothing Democrats seem to be working together once again to push this usury on Americans.
It is an absolute insult. If we want to get serious about housing affordability, the crisis staring down my generation, consider this: when my dad was growing up in the 1960s, half of 30-year-olds were married and owned their homes. Today, only 15% of 30-year-olds are married and own a home. If you cannot own your home, you cannot get married. If you cannot get married, you cannot have kids. If you cannot have kids, then what is the point?
This is an insult. This is economic genocide against the Gen Z generation, trying to foist this kind of slavery and usury on us. We reject it 100%.
If we want to get serious about housing affordability, why not ban Blackstone, one of the largest donors to both parties, from buying up entire neighborhoods and forcing us to rent from them? If we are serious about housing, why not remove the 55 million people here on immigration visas who occupy homes that could go to Americans who have worked, fought, and bled for this country?
I am sick and tired of the do-nothing Republicans and the know-nothing Democrats being in bed with Wall Street, forcing us to become debt slaves, forcing us to accept this unrestrained usury. We did not vote for the 50-year mortgage. If this continues, the Republicans will lose the midterms, and they will deserve to.
State of the Union
“I once sat in on a divorce hearing in Texas. The husband, a quiet accountant, presented spreadsheets, bank records, and a timeline of his wife’s spending sprees and infidelities. He spoke calmly, factually, without emotion. The wife screamed, sobbed, slammed her fist on the table, and claimed he “never loved her.”
The judge awarded her primary custody, alimony, and the house. His “lack of emotional expression,” the ruling stated, proved detachment. Her hysteria? “Passionate concern for the children.” Let me be clear: in the modern legal system,
men are punished for self-control, and women are rewarded for losing it. This isn’t justice. It’s emotional tyranny. And it’s baked into every institution—from courts to classrooms to boardrooms. The calm man is seen as cold. The hysterical woman is seen as passionate. The data doesn’t matter. The facts don’t matter. Only the performance of pain.””
Show of hands, who is getting 10% raises every year?
Two millennials. Same job. Same salary. Same raises.
Both start at $120K, getting 10% raises every year.
Millennial A: Spends 110% of income. Covers the gap with credit cards at 29%.
Millennial B: Saves 10% of income. Buys Bitcoin compounding at 30%.
After 20 years:
A: –$14,000,000 (bankrupt)
B: +$13,000,000 (financially free)
Wealth gap: $27 million.
Same income. Different behavior.
One compounds against themselves.
The other compounds for themselves.
Debt at 29%. Bitcoin at 30%.
That’s wealth inequality.
That's math.
No money
BREAKING: 90% chance no "tariff dividend" is issued this year, despite rumors of a $2,000 airdrop.
poly.market/T1P8KBR
bomicbon retweeted
A GROWING NUMBER OF YOUNG AMERICANS ARE PUBLICLY ADMITTING THEY HAVE NO INTENTION OF PAYING OFF THEIR DEBT, WITH THE TREND GAINING MOMENTUM ON TIKTOK AND OTHER SOCIAL MEDIA PLATFORMS.
bomicbon retweeted
1/ This changes everything: scientists have created a protein-based gel that can regrow natural tooth enamel - the hardest tissue in the human body and one we thought could never heal. It’s not repair in the old sense, it’s true biological regeneration.
lol this is highway robbery
Some states, like California started releasing some EBT funds.
And right on cue, we get the videos that says look at me.
Pantries packed. Arms tatted. Nails done.
The pantry’s full. That’s good, for the kids.
But when moms working 80+ hours a week with 3 kids are staring at empty cabinets…
Something’s broken.
It’s not hate. It’s frustration.
And it’s growing.
bomicbon retweeted
Google Gemini Flash 2.5 Nano banana
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bomicbon retweeted
Median age of 1st time homebuyers:
1980: 28 years old
1990: 30 years old
2000: 31 years old
2010: 32 years old
2024: 38 years old
2025: 40 years old
The American Dream is disappearing right before our eyes.
The 50-year mortgage sounds appealing on paper and it's supposed to make homeownership more accessible when first time buyers are hitting 40 years old and getting priced out of everything. But you do some basic math and it will show you a whole different story.
On a $400k loan at 6%, you're only saving roughly $166 per month versus a 30 year mortgage. That's pocket change. The catch is you'll pay roughly double the principal amount in interest over the life of the loan we're talking $863k instead of $418k. Lenders will also charge you an extra 0.3-0.5% just for the extended term which basically erases whatever payment relief you were supposed to get.
What really gets you is the equity problem. In the early years of a 50 year mortgage almost all your payment goes to interest. You're barely building equity while someone taking a standard 30year loan is stacking wealth and opening up refinancing opportunities way faster. It's like comparing someone who invests early versus someone who waits, the compounding works against you here instead of for you.
The harder truth is that 50 year mortgages don't actually solve the affordability crisis, they just mask it. The real issue is that home prices have completely detached from wages. We're at a 5:1 price to income ratio when it's historically been around 3:1.
Supply is constrained, zoning is broken and institutional capital is buying up single family homes to reprice entire neighborhoods. A longer mortgage term doesn't fix any of that. It just locks people into longer debt while the system keeps extracting value upward.
The only scenario where this could work is if you treat it tactically, grab the low monthly payment now, then refinance into something shorter when rates drop and your income increases. But that's a lot of ifs and with ever increasing costs, would people do that? No. Real solutions would actually address supply, zoning, and policy, not just make people's monthly slightly more bearable for the next 50 years.
.@peterthiel is correct. I have some thoughts on how to fix this that I will share when I have some time. (Long post)
