50 year mortgage combined with student loans is basically mortality curve modeling

Nov 8, 2025 · 9:29 PM UTC

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For those who are saying “I don’t understand. This makes ownership cheaper vs rent.” Friendly reminder—
Jeff Park
 @dgt10011
28 Dec 2024
The hilarious thing about home ownership in the US is that even when you own your home, there are 3 senior sweeps: 1) maintenance 2) tax and 3) insurance All 3 will fight you (and each other) to maximize the steal ahead of your equity. Mother of all ponzis “American nightmare”
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Replying to @dgt10011
I honestly expected this administration to take steps toward reducing financial speculation in housing and shift it into Bitcoin instead, not making mortgages longer and debt deeper. Longer mortgages = easier to qualify Easier to qualify = higher prices Higher prices = housing stays unaffordable Imo, it should be the opposite: Stricter lending and lower home prices, not lifelong debt.
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come on it’s Trump. RE is up only
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Replying to @dgt10011
@fram3o debt inheritance incoming
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I assure you there won’t be any kids
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Replying to @dgt10011
I was just thinking about this debt-for-life
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So evil
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@grok what is mortality curve modeling?
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What if the mortgage rate ends up being lower that the inflation rate? With exponentially growing debt we are headed for (much) higher inflation.
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But at least israel has housing
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Uhm, yeah. We're just commodities to them. "Gee, I wonder how many of my debt slaves I can get to pay for this too." 😅
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The one thing people need most, is the one thing the government cannot afford to give. Deflation.
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Couple that with social security dying a slow death and retirement will become a concept of the past.
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Life is EXPENSIVE.
Replying to @dgt10011
How did you readily accept 8-year car loans? Same stupidity.
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A house purchased for $500k in 1975 is worth between 4.4 and 8.4 million today, 50 years later. The 50 year mortgage allows thousands to qualify for home ownership and mortgage interest deduction vs living in Potter’s rental for 50 years with no accumulated wealth. Checkmate!
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Replying to @dgt10011
The house you live in is a consumer item. Sure, the the land can increase in value, but virtually all the materials that make up the home deteriorate over time. There will always be taxes, insurance (for most people), and replacement costs.
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Replying to @dgt10011
Last ditch efforts here of the fiat ponzi. A 50 year mortgage, basically 50 year student loans, all the buy now pay later options, car loans keep getting longer 96-120 months now lol. Insane.
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People are gonna be in debt for life. Reminds me of the old Tennessee Ernie Ford song Sixteen Tons 🎶 “You load sixteen tons, what do you get? Another day older and deeper in debt Saint Peter, don't you call me, 'cause I can't go I owe my soul to the company store” 🎶
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Here’s an idea. Why not let Gen Z decide if they want to buy the 50 year product they can afford, or just keep renting. It’s called the free market.
Replying to @dgt10011
In debt till your death
Replying to @dgt10011
Very hard to escape for the majority of Americans.
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What does this mean @grok?
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The country feels vampiric. Like the only thing left to succor is the indebted future of our own youth.
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Bryan Johnson says if I eat mushrooms I'll be immortal tho
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The way it is going, next up will be generational mortgage. Let’s pass the debt to the kids like a family heirloom. 😉
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Give me a 100 year mortgage at a good rate, i'll take it Shorting fiat via harder assets is the key to freedom
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Replying to @dgt10011
Don’t forget about unaffordable health insurance—don’t get sick, die sooner.
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