This Doesn’t End Well (Here’s Why)

ByCameron Long

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Cameron Long

Cameron Long

Cameron is a seasoned CFO and CPA with 31 years in finance. He created the AI Trader's Playbook to help everyday investors use AI to find high-confidence trades — in minutes, not hours.

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47 Comments

  2. Trump is nuts. The banks benefit. The 30 year mortgage is bad enough. The amortization schedule is criminal and should be illegal. This is COMPLETE BS. My kids and their generation are completely screwed!!!

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  3. From the way things are going I wouldn’t worry. The banks won’t be able to take everyone’s homes after the collapse.

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    3. I’m more worried about our military being replaced by lethal autonomous AI. Look into the DOD Replicator Initiative

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    1. Absolutely. He’s pushing it everywhere. What the heck are tariffs anyway? Please don’t give me AI’s explanation, lol. Everything the elite do is usury of us. It’s time they are charged accordingly. Then pay restitution. We charge the elite for their crimes. We can have the balance restored in no time. Their time is up. They’ve stolen way too much from us already. Enough is enough.

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  5. Japan did 100 year mortgages that indebted three generations. Take a look at how that worked out for their home values.

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    1. If a parking lot space in Japan can cost more than a condo in Manhattan then there is plenty of room for housing prices to increase. During Japan’s 1980s real estate bubble, the land value of the Imperial Palace was theoretically worth more than all of California’s real estate, estimated to be between $850 billion and $5.1 trillion in 1989, due to skyrocketing land prices. lol

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  7. Keep in mind higher house price is reason for county to raise property tax, and insurance rate also probably go up

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  8. In your mortgage calculation you used 5.98% for the 30yr, and the same 5.98% for the 50yr. I suspect in reality a 50yr mortgage would be well north of 6% and more likely 6.5% making your example of a 50yr mortgage even more costly with even less equity building than the 30yr.

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    2. This is correct. Interest cannot be less than a 30y mortgage due to the increased risk of default adding an additional term premium. Monthly costs should not be significantly lower, which will not increase affordability. Total interest paid will be absurd.

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    3. You guys are right but are you considering inflation of dollars effect. The dollars you’ll be paying in years 30-50 will be so much lower in value

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    1. The New Yuan Digi-Pay wins the digital coin toss and Xi’s 6 G wins, too.
      10/12/26, “You have destroyed yourselves with your endless wars of Gods. Now bow down and worship Your Beast.”
      That’s what Xi says. Up next: GOD vs GOD: IS I vs I AM in the NAME of Jesus.
      Borrow $42 trillion / Blow it ALL up = what?

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  13. This is ludicrous. I knew Trump would be put in place to warp speed us into dystopia. I’m not for the right or left and I don’t vote. I don’t understand how we are not up in arms and marching to the capital with pitch forks. But we will all just keep taking it up the a$$ and let them inflate everything to high heaven. This is absolute insanity.

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  14. I would like to see home prices come down whether I’m selling or not. If I’m selling, I’ll likely need less cash to get into a better house. If I’m not selling, my property tax is lowered.

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  16. Many decisions are made on the amount of the monthly payment. Any time that rates go down consumers bid up the prices of houses, making them more expensive. Improving access to houses through a 50 year mortgage has the exact same effect. You’re trying to make the house more “affordable”, but you’re increasing the prices of all houses by mistake, AND you’ve robbed the people you’re trying to help of their retirement. A good investor doesn’t care how long their mortgage is. They’ll invest the difference and the amount of interest paid is irrelevant.

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  17. The payment difference between a 50 year and 30 year mortgage is not significant enough to warrant a 50 year mortgage, someone would need to be desperate to do so, which means the risk would be too high to loan to such a person. This means the prices need to come down or the wages need to go up. Going up for the same work level is inflation, which hurts everyone. This really means the banks and lenders are holding a bunch of bad loans, and a correction is in order.

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  19. After witnessing the 08 recession as a teenager I made the decision never to get a home loan unless I knew I could make the payments with a minimum wage job. Ended up buying my house cash/no loan. No one will be able to maintain an income between the age of 25-75. Will be massive foreclosures on elderly. Brutal.

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  20. You just end up having the bank as your Landlord as you’ll never own your own home. But US house prices are FAR more affordable than other countries like Canada, Australia, Japan, New Zealand, England etc

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