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> in 1990 the average home was 2.5-3x average household income

The 90s were an oddity. Heck, the 80s were an oddity! The 50s-2000s US living standards were a freak of nature that has never happened before in the history of the world.

Throughout the history of the world, actually owning property is a rare privilege only the most elite people can obtain. Peasants and serfs knew that if they could own a slice of God's green earth it would bring untold wealth to themselves and their descendants, and did everything they could to get a claim on a piece of land.

I'm now going to tell you some things that you are going to disagree with, because you want the narrative to go a certain way and you are hell-bent on manipulating people's opinions on things.

First, understand the true situation you are living in. As an American, you are WAY more privileged in terms of being able to own real estate than any other people on planet earth.

Second, we are going through a period of rapid economic change with Trump's policies. You are in the unstable period where people don't know what is going to happen or when it is going to happen. Everyone and their uncle is trying to hold on to their assets until they can figure out what is going to happen in the near and long-term future. This means no one is selling real estate and no one is buying and no one is writing loans. Life SUCKS right now.

Third, we WERE on the absolute wrong trajectory throughout the 2000s-2020s. The Biden regime messed everything up, but we were messed up with ALL the previous presidents too.

Fourth, blaming boomers will NOT make your life better or easier. it will NOT focus you on obtaining your goals and making self-improvements to overcome future unseen challenges.

If you got in a time machine, and went back to the 1950s, and asked the parents of the kids being born, "Is this how life has always been?" they would say "ABSOLUTELY NOT!" If you asked them what was coming, they would say something like, "The total collapse of society as we devolve into what the Europeans experienced in WWII" or "The complete obliteration of freedom as the commies take over the world" or "inevitable nuclear war."

They did not have a long-term view of the nation because they figured America was probably done for in its current form. No one imagined that we'd make it to 1980 without a nuclear war or a long-term conflict with Russia where millions of young men would die in yet another world war.

Remember what happened with the Cuban Missile Crisis. With the JFK assassination. My grandfather disappeared during those times as he was active military. My grandmother thought that this was the end. She had already been told that if nuclear war kicks off, don't worry about it, you live near a military base and you'll just be instantly vaporized.

The Boomers were not living a life where they though they could plan for the future. They did not expect to live to an old age and retire in relative peace and comfort. They did not expect their grandkids to live in the kind of society we live in.

You can't blame them for all of your problems. You need to learn from their mistakes and promise not to repeat them.