Ryan Dezember

speaker

644 appearances 11 recordings 1 series first heard May 2018 last heard Jun 2024

Ryan Dezember’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · You Make $100,000? It Might Not Be Enough to Buy a Home · 16 Oct 2019 podcast

Since the crash, there's been a lot of institutional money, Wall Street money, buying houses, forming companies to manage huge pools of the homes. matched

And their success, in turn, has inspired a lot of other smaller investors and businesses to try to emulate them. matched

You know, $5,000 to $10,000 is a reach for a lot of people. matched

The median savings for the typical renter, now not the type of renters that we focused on, the six-figure earners, but all renters, is a little under $6,000. matched

So people generally are not... matched

are not saving a lot of money. matched

That we can attribute to a lot of student debt, medical bills, car payments, credit card debt. matched

A lot of Americans are just, especially younger Americans, even if they're earning a high income, might have trouble saving because they're paying for college and they're paying for the car they needed so that they could get to work. matched

All these things sort of conspire against them being able to save for a down payment. matched

Yeah, to a degree. matched

I mean, since World War II and maybe a little bit before then, homeownership was sort of the way that most Americans built wealth in the country. matched

So there's a lot of concerns that while maybe it's not a bad thing if people aren't diving into homeownership and risking putting all their savings into a down payment and then risking a medical incident or something, knocking them into foreclosure and turning their lives upside down. matched

But at the same time, matched

people that are renting aren't getting the rise in equity. matched

Most Americans really only save when they send off their mortgage check each month, and it's sort of an accidental savings mechanism for many. matched

Usually the move into homes comes with children. matched

That's sort of the thing where people move out of the city. matched

They want... matched

There's not a lot of three-, four-bedroom apartments out there. matched

And if there are, they're very expensive. matched

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