Here’s Why Most Americans Can’t Afford a Home Anymore
The Federal Reserve Flooded the Market with Cheap Money
Since 1959, the U.S. money supply has exploded by over 7,400%. That’s not a typo. According to data from the Federal Reserve Bank of St. Louis (FRED), total U.S. M2 money supply grew from roughly $286 billion in 1959 to over $21 trillion at its peak in 2022. Trillions of new dollars have been created by the Fed and pumped into the system, especially during crisis periods when money was created at historic speeds. But here’s the dirty secret: the more dollars in circulation, the less each one is worth. This is the core problem with inflation and money supply—when supply grows faster than real economic output, purchasing power is quietly destroyed.
This tsunami of currency didn’t just make your paycheck worth less—it supercharged real estate prices. Wealthy investors and hedge funds started buying up homes, not to live in them, but to protect their wealth from inflation. In 2024 alone, 1 in 4 homes was snapped up by investors.
Homes stopped being homes. They became inflation shelters for the rich. And you were left renting.
Your Savings Are Melting Away
The average American family tries to save, but saving in dollars is like trying to fill a bathtub with the drain wide open. For decades, wages haven’t kept pace with inflation or the rise in home prices. That’s by design.
Let’s put this in perspective:
- In 1971, Billy made $8,439 and saved 25% to buy a $24,300 home.
- By 2003—32 years later—Billy could finally afford a house… that now cost $186,000.
Despite all his saving, inflation crushed his purchasing power. The same thing is happening right now to every young worker trying to get ahead. If you’re saving in dollars, you’re running in place—or worse, sliding backward.
Debt Became the Only Way to “Afford” a Home
With cash savings worth less and homes getting more expensive, Americans had only one real option left: debt.
Enter the 30-year mortgage—America’s favorite financial trap. For decades, falling interest rates masked the true cost of homeownership. It looked manageable on paper because rates kept dropping. But when rates hit rock bottom in 2021 at 2.95%, the game changed.
Now mortgage rates are back up—averaging nearly 7%—but home prices didn’t come down. That means you’re borrowing more at a higher rate, and your monthly payments are skyrocketing.
In fact, the total cost of a home (including mortgage payments) nearly doubled between 2021 and 2023 alone. That’s more damage in two years than in the previous 40.
The Whole System Is Rigged Against You
If you already own a home with a low-rate mortgage, you’re sitting pretty. But if you’re a young worker, a renter, or someone trying to save in cash, you’re getting crushed. The government’s solution to every crisis—print more money—only makes the problem worse.
They’ve created a two-tier system:
- Asset owners get richer.
- Wage earners get left behind.
This isn’t just bad luck. It’s engineered theft, plain and simple.
Here’s What You Can Do—Before It’s Too Late
If you’re waiting for housing to become affordable again, don’t hold your breath. The system isn’t broken—it’s doing exactly what it was designed to do: funnel wealth upward and leave you dependent.
That’s why you need to opt out.
Start protecting your wealth in real assets—things they can’t print or manipulate with a keystroke. Gold. Silver. Bitcoin. But before you make a move, you need to understand the digital trap being built around you.
Bill Brocius’ Digital Dollar Reset Guide is a must-read for anyone who sees the writing on the wall. This isn’t just an eBook—it’s a blueprint for financial survival in an era of surveillance money and total monetary control.
Download it now, free of charge
Your freedom depends on your financial independence. Don’t wait until they close the gates.
