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Realtor breaks down how outrageously house prices have risen against income in just four years

Is buying a home still part of the American Dream?

home price increase

Realtor Freddie Smith shows the math of why millennials can't afford a house.

Does this conversation sound familiar?

Millennial: "Housing costs are ridiculous. And now mortgage rates are double what they were a few years ago. How am I supposed to afford to buy a house?"

Boomer: "You know what the interest rate was on my first house? Over 16%. I'd have loved to have a 7% interest mortgage!"

Millennial: "But you could raise a family on a single middle-class income when you were my age. That's just not possible now."

Boomer: "Well, maybe if you stopped buying avocado toast and Starbucks, you could afford a house."

Millennial: [blank stare]


Generational battles over economics aren't new, but some eras provide more fodder for such exchanges than others. Right now, it's the cost of housing that has younger people feeling stuck while older folks (or people who were lucky enough to land a house several years ago) are sitting pretty on the equity they've gained since the pandemic started.

Those of us who already own a house and aren't thinking of selling any time soon may not be fully aware of how drastically things have changed for those in the homebuying market. One realtor on TikTok shared a breakdown of the numbers, and it is eye-opening.

Watch this explainer from Freddie Smith:

@fmsmith319

Housing cost from 1995 vs 2019 vs 2023

Umm, yeah. It would take a truckload of avocado toast to even come close to making up for that increase. And these numbers are assuming you could even afford an $84,000 down payment. First-time homebuyers can often qualify for a 3% down loan, which makes it easier to get into the house but increases the monthly payment.

People in the comments commiserated, and many people asked what they were supposed to do in light of this reality. Some suggested buying land and putting a cheap mini-home on it until they had enough saved up to build a house. Others said to wait it out because the current market isn't sustainable and we may see a housing crash. (Though, as one commenter pointed out, "[In] 2019 we were told everything would crash but instead everything went up in record numbers.")

Some blamed the current administration, completely ignoring the global pandemic of the past three years that resulted in economic upheaval and ongoing fallout everywhere. The immediate housing market has always been somewhat unpredictable, and it's a crapshoot as to whether or not it's the best time to buy.

But when you can't even come close to affording it, it's a moot question anyway. Surely, something's got to give, but the question is what, when and how.

Smith has many, many videos showing the math behind the housing market. Follow him on TikTok for more.

A couple talking over coffee.

Many people find making small talk to be an excruciating experience. They think it’s boring to talk with a stranger about the weather, sports, or weekend plans. They may also feel like they don’t have anything to contribute to the conversation, or they don’t understand the point of having one in the first place.

However, those who excel at making small talk have a tremendous advantage in their professional and romantic relationships, as well as in forming new friendships. Most importantly, small talk is a window to transition into medium talk or, eventually, deep, meaningful conversations. The problem is that many people get stuck in small talk, and things stall before progressing to something beneficial.

 conversation, small talk, conversation tips, communications tips, medium talk, reminder A man and woman chatting.via Canva/Photos

How to get better at small talk

The great thing is that, like anything, making small talk is a skill that we can all improve by learning some simple conversation techniques. One technique that is great for keeping a conversation going, like hitting a ball back and forth past a net in tennis, is a simple statement: It reminds me of…”

A redditor named IsaihLikesToConnect shared some great examples of how the phrase can be used to turn a mundane topic, such as the weather, into something much more fun.

Them: "It's been really rainy, huh?"

You:

Option 1 (Personal Story): "Yeah, it reminds me of a time I went on a run in the rain and nearly got hit by a car."

Option 2 (Music / Pop Culture): "It reminds me of every Adele song. When I'm driving, I feel like I'm in a music video."

Option 3 (Family): "It reminds me of my dad, he used to love playing with us in the rain as kids."

Option 4 (Thing you watched / World News): "It reminds me of this documentary I saw where they're trying to make it rain in the Sahara Desert.”

Option 5 (Place you lived): “It reminds me of when I lived in Australia, it barely ever rained there. I actually love this weather.”


 conversation, small talk, conversation tips, communications tips, medium talk, reminder Coworkers having a conversation.via Canva/Photos

You see in this example that using “It reminds me of…” opened up the conversation to five potential new and more exciting topics. The “You” in the story could have responded with, “Yeah, it sure is rainy,” and the conversation would have ended right there. But instead, branching off the topic of rain into something a bit deeper took the conversation to the next level. You get extra points if you can take the “reminds me of” into a topic that you assume the other person will be interested in.

 conversation, small talk, conversation tips, communications tips, medium talk, reminder Coworkers having a conversation.via Canva/Photos

What’s a polite way to change the topic in a conversation?

Using “this reminds me of…” is also a polite way to move the topics in another direction, especially when it's a topic that you don’t want to discuss or one that makes you feel a bit uncomfortable. Or, if it’s a situation where the other person is monologing on one topic for a very long time, this makes it easy to transition away from their diatribe.

Ultimately, the phrase is an excellent way for you to save the person you’re talking to from being stuck in the small talk rut as well. It shows you understand that when someone brings up the weather, they are merely getting things started with something both of you have in common. They probably don’t want to talk about the weather for 30 minutes, unless they are a meteorologist. “It reminds me of…” is an invitation to go a bit deeper and shows the other person that you’d like to learn more about them.

This article originally appeared in April.

Canva Photos

Two boys sitting on swings, with heads down, looking miserable.

These dang kids and their dang screens! I'm loathe to admit that I've had this thought a lot lately myself. When it comes to planning our kids' summer break, a part of my brain assumes they'll just want to play outside with their friends most of the day making up games, riding bikes, coming inside to grab popsicles. The stuff I did at their age. But in reality, it hasn't worked out like that. Most kids in the neighborhood are at camp or they're inside watching TV or playing video games.

When I try to encourage my kids to go outside more, I get a lot of grumbling and push back. Is it possible this generation has just...forgotten how to play? Are the phones and tablets to blame for this strange phenomenon? One dad recently had the brilliant idea to take his kids to the park, take away their phones, and force them to go play. The results were...not exactly what he was hoping for.

"It was a nice day outside," Charles Lavea told Newsweek. "I thought we could go get food and eat at the park. I took my daughters' devices, phones and iPads, off them and left them at home. I wanted them to get some sun and fresh air, so we went."

 kids, playing, playing outside, fresh air, no screens Levea probably envisioned something like this. Canva Photos

In footage shared by Lavea on TikTok, you can see what happened next. His two girls are shown sitting on swings, forlornly swaying back and forth, not knowing what to do with themselves. You can tell they're just disassociating until dad's weird little experiment is over. They would rather be anywhere else in the world. Specifically, they'd like to check in on what's going on on their phones. It's all over their faces and in their sad, hunched body language.

Watch the comical video here:

@lifewithlaveas

This generation man 🤣🤣🤦 I remember growing up all we did was play at the park with the kids in the neighbourhood 🤷 #lifewithlaveas #girldad #funnymoments #trendingsound #titanicflutefail #tiktokparent #viralvideos #fyp

 

Commenters had a field day, and most agreed: Kids "these days" don't know how to play outside.

"Bro when I was that age me and my sista be seeing who can swing the highest and jump off the swing on our feet"

"They would ratha watch other kids playing from there devices"

"Kids these days won't know the struggles we been through since the 80s - 90s kids been through with no phones, gaming pc, iPhone, Samsung, tablets, Facebook, tiktok, YouTube & Instagram wasn't invented. Even internet was hard to get when we use to have dial-up internet back then."

"Honestly the kids nowadays have no idea how to play outside eh? My kids too 😂🙈 I used to run out the door and never came back til the street lights turned on."

 Bluey, kids, outside play, 80s, 90s, no screens Things were different when we were kids.  media1.tenor.com  

The data backs it up. There's been a shocking decline in how often kids play outside in the last couple of decades. One study estimates only six percent of kids aged nine to thirteen regularly play outside unsupervised.

But is it as simple as saying that phones and tablets have rewired our kid's brains so the fun of playing outside can't keep up with the quick and easy dopamine hits found on screens? That's part of the problem, sure. But did you know that only around 20% of kids walk or bike to school, compared to 70% of parents who did so when they were young? That's not kids' fault, and it's definitely not because they're in their room playing on their iPads. It's because our culture has stoked so much fear in parents that our kids will be kidnapped or hit by a car that we rarely let them out of our sight anymore.

Kids have less unstructured free time than they did in the past, too. Your average kid is enrolled in more sports, clubs, and extracurriculars than ever before. Those are generally good things on their own—these activities challenge them, teach them new skills, and help them make new friends. But it doesn't leave them a lot of time to flex their imagination and invent silly outside games with other kids, and that time is important too.

 imagination, kids, playing, play outside, games imagination GIF  Giphy  

It's easy to grumble about how kids are obsessed with their devices—and, of course, genuinely laugh when dads like Lavea show that their kids barely know how to use a swing set—but change is going to have to start with us parents. The screens aren't going anywhere. Time spent playing outside is so good for a child's mind, body, and soul. We may just have to awkwardly force them into it a little more often, and that might mean pushing our own fears aside, or (the scariest thing of all) putting our own phones down to lead the way, too.

This article originally appeared in February. It has been updated.

Canva Photos

A viral TikTok argues that women don't want to give up the joy of their own personal peace and freedom for anyone.

There's been a lot of discourse on the state of modern dating and a lot of theories on why it seems harder than ever for people to find connection with romantic partners. Could it be that the achievement and education gaps between men and women are altering the dynamics? Have social media and dating apps broken our brains and hearts? Do we all have unrealistic expectations and unlimited options, leading to never feeling satisfied with anything or anyone?

Those are all intriguing options, but an alternate theory has recently arisen that's quickly gaining steam: Maybe being single isn't as lonely as we think. Maybe being single is actually freaking awesome.

A guy on TikTok who goes by Get To the Point Bro shared a hilarious monologue on why women who have been single for a long time "don't want to date anymore." Women say he absolutely nailed it.

 the office, andy bernard, dating, relationships, dating advice, single, romance, love The Frenchman's monologue was absolutely spot on  Giphy  

At first, it might seem like he's poking fun, either at single women or at the men who can't seem to win them over. But not so! What he's done is perfectly captured the joy many people find in being single and, frankly, able to do whatever the hell they want.

"Some women have been single for so long they don't date anymore, they grant you access to their peaceful little empire like a reluctant queen handing you a visitor's badge," he says. "You text her good morning and she's already annoyed, like 'Why are you disturbing the sacred silence of my personal growth journey?'"

He goes on, "Bro she's been sleeping diagonally in her bed for three years, she's not giving up that territory because you opened the door and paid for coffee."

"You plan a cute date, she's thinking 'That sounds nice but also I could stay home, deep clean my apartment, do a 12 steps skincare routine, order sushi and not have to listen to a man breathe.'"

"You try to check in emotionally, 'How are you feeling?' She's feeling fantastic because you're not here."

"You're not competing with other guys. There are no other guys. You're competing with her weighted blanket, her peace, her cat named Chairman Meow, and the simple joy of not having to share her fries."

These are just a few of the best lines from the nearly 2-minute rant, all delivered in the most amazing French accent you can imagine. Please, enjoy:


@gettothepointbro

DATING A GIRL WHO IS USED TO BE ALONE CAN BE VERY HARD .

The best thing about the video is the discussion in the comments. Women want to know how this man got access to this top-secret information. The rant is so eerily, frighteningly accurate that women are convinced this French guy is living in their heads. That, or someone's secretly leaking intel.

"dammit. somebody call a meeting of the council. he knows too much."

"I dont often offer this compliment to the male species but you explained it better than I ever could."

"Alright, who’s told him this info??? So exposed right now"

"The joy of sleeping diagonally across my bed cannot be fully explained."

"This is the most accurate profiling I’ve ever heard. You absolutely ailed it."

Clearly, we've tapped into a real phenomenon here.

@gettothepointbro

CAN YOU RELATE LADIES ? THAT’S WHY WE LOVE YOU ❤️

The truth is that many people—both men and women—are disillusioned with the sad state of the dating scene these days. App burnout is a real thing, and meeting new people in real life is a ton of work. So, it's no surprise that more and more people are just choosing to stay single and enjoy all the perks that come along with it. This is a stark change, especially for women.

According to FiveThirtyEight, "Women were also more likely than men to say that they weren’t dating because they have other priorities right now." Priorities like travel, career, friendship, and even just self-care—all things that wind up taking a backseat when people get involved in relationships. It wasn't too long ago that women of a certain age that were still single were called "spinsters," but that word has lost a significant amount of power. This new generation of women aren't embarrassed or ashamed to be single; they're loving it for exactly all the reasons this video describes.

This article originally appeared in April.

A crying baby.

The names we give to our children can be very personal. They can reflect religious beliefs, family heritage, or have a special meaning attached to them, as in Grace, which means "divine favor," or Eli, which means "ascended." In the United States, people they are protected by the Constitution's First Amendment, freedom of speech, which allows us to name our babies whatever we like.

However, there have been some cases where the courts decided that a particular name is illegal, and, although it is infrequent, it has happened at least 10 times in the country. The most notable banned names are Misteri N-Word, King, Queen, Jesus Christ, III, Santa Claus, Majesty, Adolf Hitler, @, and 1069.

 court, court reporter, legal system, plaintiff, judge, baliff A court reporter taking notes.via Canva/Photos

Why are these 10 names banned in the United States?

III (Roman numerals pronounced “three”)

Thomas Boyd Ritchie III was known by many of his friends simply as III. So, he petitioned the court to have his name changed to Roman numerals. Sadly, a California court rejected the name change because it was a symbol and a number. It’s illegal for people to have numbers in their names because they can’t be entered into state name databases.

Misteri (N-word)

In the California Superior Court case Lee v. Superior Court (1992), Russell Lawrence Lee wanted to change his name to Misteri (N-word). Lee believed that the name could be used to conquer racial hatred. Unfortunately for Lee, the court denied his request, saying the name constituted “fighting words.”

@ (pronounced “at”)

The address symbol, or @, has been banned in multiple jurisdictions because, like a numeral, it cannot be input into state database records.

Jesus Christ

The name of the Christian lord and savior has been banned in several U.S. states based on claims of blasphemy and the possibility of confusion.

 jesus christ, heaven, god, divinity, holy trinity, religion Depiction of Jesus Christ in Heaven.via Canva/Photos

1069

In 1976, the North Dakota Supreme Court told high school teacher Michael Herbert Dengler that he could not change his name to “1069.” “The only way [my] identity can be expressed is 1069. The first character, 1, stands for my concept of nature which manifests itself as one individual among the various forms of life,” he noted. “I stand as a single entity amongst millions of other entities, animate and inanimate. But yet even though I am an entity unto myself, I am part of the whole of life which is one. I am one; life is one; and together we are one.”

He later moved to Minnesota and tried to change his name, but he was rejected again. Neither state allowed people to have numbers as their names.

Santa Claus

In December 1999, Robert William Handley of Ohio filed a petition to change his name to Santa Rob Claus, because he had played the Christmas character for the past 40 years, and was known as “Santa Rob” year-round. The court rejected his petition, saying it was “misleading to the children of the community.” Two years later, the Supreme Court of Utah allowed the name change.

 santa claus, santa rob, banned names, christmas, saint nick A photo of Santa Claus.via Canva/Photos

Majesty, King, Queen

In several states, naming your child after a royal title is illegal to avoid confusion with actual royalty. Does Queen Latifah know this?

Adolf Hitler

If you want to name your child Adolf Hitler, you can’t do it in Texas. After the atrocities he committed in the 1930s and ‘40s, his name has no place in the Lone Star State. However, you can be named Adolf Hitler in New Jersey. Back in 2009, there was a big hubbub when the father of Adolf Hitler Campbell wanted his child’s name written on a birthday cake, and the proprietor of the business refused.

This article originally appeared in May.

Nature

"We were robbed": Unexpected rejects from the U.S. National Park System

“If the silver discovery hadn’t happened...Lake Tahoe almost certainly would have been a national park."

Lake Tahoe was almost a national park, but politics got in the way.

You know the adage, “Always a bridesmaid, never a bride.” Well, something similar happens out in the wild: not every natural wonder gets to become a national park. For every Yellowstone or Yosemite national park, there are dozens of equally jaw-dropping American landscapes that were denied this coveted designation—and the unparalleled federal protection that comes with it.

From Lake Tahoe’s radiant blue waters to the fossil-rich canyons of Dinosaur National Monument, there are dozens of breathtaking natural beauties across the country that are just that: natural beauties with thriving ecosystems, but not national parks. Behind each rejection, there’s always a fascinating story of politics, competing financial interests, and a constantly changing definition of what “deserves” national protection waiting in the wings.

 Lake Tahoe, national parks, blue water, natural beauty, nature Many people—including Lake Tahoe’s biggest advocate, conservationist John Muir—fought for Lake Tahoe to become a national park.Photo credit: Canva

Often called “the Jewel of the Sierra,” or “Ocean in the sky,” Lake Tahoe is a marvel. Visitors of the 2-million-year-old lake enjoy pristine snow-capped peaks, gorgeous pine trees, and the prettiest, clearest water imaginable. Mark Twain even wrote of Lake Tahoe, “I thought it must surely be the fairest picture the whole earth affords.” Naturally, many people—including Lake Tahoe’s biggest advocate, conservationist John Muir—fought for Lake Tahoe to become a national park, and multiple attempts were made from the 1880s and 1930s.

The problem? Virginia City, Nevada in 1859.

Eighteen hundred and fifty-nine was the year silver was discovered there, and as local historian David Antonucci explains, “If the silver discovery in Virginia City hadn’t happened, the course of history in Lake Tahoe would have been a lot different. It almost certainly would have been a national park."

 Skiing, lake tahoe, national park, rejection, silver If not for that darn silver....Photo credit: Canva

The resulting mining rush altered Lake Tahoe’s landscape forever, most significantly impacting the tall, ancient trees that dotted the Tahoe Basin, which were systematically chopped down to build mine shafts. Twenty years later, it was estimated that more than 33 million board feet of timber were being cut down annually. To put that into perspective, that’s the equivalent of 2,749,999 cubic feet: the amount of wood required to fill 1,150 shipping containers or 88,000 Olympic-sized pools.

Due to this massive degradation of Lake Tahoe’s precious resources, the National Park Service later concluded that the extensive tourism and land development had compromised the lake’s nature beyond repair, ruling it unsuitable for national park designation.

 judge, gavel, overruled, rejection, no Sadly, Lake Tahoe's proposals were overruled.  Giphy  

Why do places seek national park status in the first place? Lake Tahoe has no ego; the land itself does not seek fame, fortune, or glory. But there are several incentives both for the land and the surround communities that make the fight for national park status worth it. National parks enjoy certain VIP privileges, including an army of park rangers and maintenance crews provided by the federal government.

National parks, like the scenic Great Smoky Mountains National Park, Grand Canyon National Park, and Zion National Park, are protected to the highest degree possible against resource extraction, land development and other harmful practices. The are nothing short of astounding: miraculous havens for animals and native plants, flourishing wildlife habitats, and the preservation of vital cultural resources.

Then, there’s the tourism aspect: another powerful motivation for communities to support national park designation is the incredible bump in sightseers—paying visitors—that begin to arrive. National parks are tourist magnets, with Great Smoky Mountain National Park welcoming more than 12 million visitors in 2020. It’s the type of tourism that can turn a rural town into a bucket list destination and economically alter a community forever. Think of the last national park you visited and the crop of tourism-related businesses that surrounded it: lodging, restaurants, themed retail stores, guided tours, and more.

 yellowstone, national park, tourism, economy, nature  National parks are the ultimate tourism magnets. Photo credit: Canva


 car, national park, economy, money, tourism Entire economies depend on a local national park. via TravelinUSA

Sadly, Dinosaur National Monument is another destination that never enjoyed national park status and the plethora of perks that come with it. Nestled in the rugged borderlands straddling Colorado and Utah, this huge national treasure spans over 210,000 acres—that’s larger than Bryce Canyon and Zion National Park combined. The natural wonder features an unparalleled 800 paleontology sites and the Carnegie Quarry, which boasts a 150-million-year-old wall full of roughly 1,500 exposed fossilized dinosaur bones.

Dinosaur National Monument also offers astonishing views of the nighttime sky, deeming it an International Dark Sky Park (IDSP) in honor of its exceptional nocturnal environment and supreme views of the cosmos. Obviously, this archaeological beauty would be a shoo-in for national park status, right?

 dinosaur national park, rejected, natural beauty, national park, national monument Dinosaur National Monument looks like a national park, but is it?Photo credit: Canva

Unfortunately, meddling outside forces struck again: after multiple attempts, Dinosaur National Monument has not been formally rejected as a national park, but it's progress has been stalled for a long time due to local opposition. Commissioners and stakeholders in the area feared that a national park designation would jeopardize their various ranching and energy investments and blocked any attempts to elevate Dinosaur National Monument to national park status.

Becoming a national park is no walk in the park. Rules are scrupulous, community support is vital, and the power of public perception matters. In many ways, that’s a good thing: the National Park Service’s uncompromising criterion ensures precious American tax-payer money is reserved for only the most exemplary resources in the country, both natural and cultural, in a world that, increasingly, seeks to destroy them. But what of Lake Tahoe, Dinosaur National Park, Silver Falls in Oregon, or the Adirondack Mountains?

For reasons that have nothing to do with their importance, significance, or natural beauty, these landscapes lack national park designation and the protections that come with it. But that doesn’t mean they’re not worth visiting. So, the next time you’re planning a nature trip, consider adding these beauties to your list. You just might be pleasantly surprised.

This article originally appeared in May.