123: Buying a Home Is Almost Impossible Now (And It’s Not Your Fault)

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If you feel like homeownership is out of reach, you’re not imagining it.

In this episode, we break down why buying a home today is drastically harder than it was for previous generations and why this has nothing to do with lattes, avocado toast, or bad budgeting. We walk through real numbers, personal experiences, and the structural changes that reshaped the housing market after 2008.

We talk about:

• How home prices have outpaced income
• Why this isn’t a personal finance failure
• The real costs of owning beyond the mortgage
• When renting can be the smarter option
• Practical paths to explore if buying is still your goal

This episode is for millennials who feel stuck, discouraged, or judged for not owning a home yet. The bottom line: it’s not you. The system changed.

If homeownership is something you’re still working toward, we hope this gives you clarity, validation, and a little more grace for yourself.

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Money, relationships, and the mindset to master both. Hosted by financial advisor Brandon and his wife Jessica, The Sugar Daddy Podcast breaks down how to build wealth, unpack old money beliefs, and have real conversations about love and finances. Their mission? To help couples and individuals grow rich in every sense of the word: emotionally, relationally and fina...