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some of us knew exactly what the last panel was about… 😆
I saw the same joke in Two and Half Men
That’s quite an indictment.
I don’t get the last panel.
Unplugging them from life support is how I read it. I like the darkness.
He’s practicing pulling the plug on his dad
I’m going to
buyinherit a house!Reverse mortgage says the bank will.
ROFL, get it now.
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It’s as vague as taking a sledgehammer to the head…
He’s practicing unplugging his father (grandfather?) for when he’s on life support. It’s a bit of dark humor.
Just like food, some people don’t get it.
Just like a house, some people don’t get it.
Fuck u lmao that was good.
Initial thought, “who doesn’t understand food?”. Then I was like, “oh shit that’s dark”. Made me genuinely laugh.
I have some Garfield comics I can send you. Might be more your speed.
Did you just link an hour long video without any heads up whatsoever? Who’s just free to sink an hour into a random joke from a stranger on the internet on a whim?
Yep, you are pretty much obliged to watch all of it, including the ads and then both liking and subscribing. We will honour your brave sacrifice.
I just did. I am a diffrent man now.
🤒🔥
I’m here to laugh. Not plot murder.
In this instance i kinda agree, but there’s a line that gets crossed where that doesn’t apply, so perhaps sturdier logic is needed.
Things are damaging or they’re not. The question of if someone is offended by it is a very seperate thing, and really just a personal choice.
That is a very privileged position to take. They aren’t separate issues at all; the fact of someone being offended is inextricably linked to the fact of it being damaging. And to consider it a choice is absurd even on the face of it. Being offended is an emotion. You can’t genuinely, fully control your emotions. You can control what you do about it, sure, but not always, and not completely.
And apart from that, even if we entertain the idea of it being a choice - who on Earth would choose to feel offended? It feels awful. And it never goes well. If you even have the guts to say something about it, you generally get mocked and laughed at. Who would choose to go through that?
I mean the argument will always require context. You could stab Gervais in the leg and say “but I found it funny, I must be happier than you.”
There is a line and there isn’t. Some audiences are big, some a small, the same audience can like one thing and dislike another and there’s no way to tell, the exact same audience could like the opposite the next day.
In the end, we sometimes make work, and sometimes it’s good and sometimes, regardless of the quality, it is liked, and regardless of all, it is popular.
I’m solid GenX.
My grandparents bought a house on a corner lot in the northwest suburbs of Chicago for $6000. Which was about a years salary for Grampa, who worked as a welder. This was in the late 60s.
ETA: Their mortgage was around $50.00 a month.
I’m GenX as well and I will straight up admit that my wife and I got lucky, purchased a house in a “distressed” neighborhood in Portland because it was all we could afford, and now, 20 years later, the neighborhood is fully gentrifying and our house and property is worth way more than what we owe on it.
I’m conflicted as to how to feel about it. While on the one hand we very innocently bought the place because it was in a shitty neighborhood and was all we could afford, on the other hand I now know that we were what the urban studies people refer to as “bohemian colonizers,” meaning that without knowing it, we were, by moving into the neighborhood as poor artist types, part of a much longer process of gentrification.
Again, I am of several minds regarding how I feel about the whole thing.
be poor
move to a poor neighbourhood
I really don’t think that you should feel bad about this personally :)
Meh, gentrification is the result of bad policy, not personal, individual choices (except maybe for people flipping houses and landlords). Neighborhoods, and the people in them, should not stay poor forever. Rent controls, grants for people to start businesses or coops or whatever, allowing mixed-use zoning, and stuff like that can reduce the harmful affects of gentrification.
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Pay it forward by voting on low cost housing initiatives and not becoming a nimby.
Yeah, I don’t think you should feel bad. You can’t really individually control processes like this and well… you needed a place to live.
What were you supposed to do live in a tiny apartment to make housing more available for the poor fuckers nearby who just happened to have started slightly closer?
Which would be round about $55000 in today’s money, for those interested.
This is actually worse than it sounds 1 year of salary can be paid off in 2.5 paying the same amount someone pays for rent on their apartment. In 2.5 years you wont pay much in the way of interest. Over a 30 year mortgage paying the median home price of 388k means paying almost 3x the face value or roughly 1.1M or roughly 17 years of median income.
Today a the median yearly salary for a welder is a bit less than $40,000.
For this price you can maybe get a camper, not too big though.
So, welders today make about 30% less, while houses today cost about 5x as much.
Progress!!
They’re so dense. My conservative uncle gave me a bunch of shit for taking out student loans. He worked at McDonald’s over the summers and paid his rent and tuition for the whole year! Meanwhile I was working full time year round going to school, barely making enough to pay rent without enough leftover to make a dent in tuition. Obviously that world doesn’t exist anymore. This was over 10 years ago, I’m sure it’s way worse now. At least I was able to find “affordable” rent.
I live in a small town in the SE US. I bought my house for $89,900, 12ish years ago. There are 3 vacant houses on my street and they are all listed for $250,00 or more. My house is bigger than all of them. They have all been empty for over a year.
They really should tax empty houses at 100%. You’ll see how fast they will sell, and how low the price will go to achieve that.
We do that in Vancouver and it’s good. The fines are steep.
But it’s opened a mini industry of people being paid to visit homes so they aren’t ‘empty’.
So it sounds like it helped the situation + created new jobs. Win-win
Last month I had this random conversation with an old lady while on vacation. She mentioned that quite lightheartedly, that “we bought our house just on our salaries, we worked hard back then and needed to settle down”. I wasn’t expecting to have to explain to her that this is not such an easy option for us right now. She seemed genuinely surprised and disappointed at the facts and I didn’t know whether to feel enraged or amused by her true or not ignorance.
At least she was open to listening, hopefully you’ve made an impact on her going forward
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Where I’m from, the median house price has risen 600% relative to median income since the 70’s.
That means that we’re dropping more than the entire value of their home as our deposit, while we compete against capital-heavy boomers that benefited from that growth looking to downsize.
There’s a reason they could have a house and 12 kids on a single summer job income - they were handed a strong economy that they ransacked for their own benefit before blaming the poor schmucks that are inhereting the stripped wreckage they’ve left behind. Couple that with the cost of the massive environmental pivot we’ll need to make to survive as a species, and I’m sure you’ll forgive me for wanting to drive the nose of the next boomer that preaches about smashed avocado toast and bootstraps through the back of their skull.
(It is entirely possible to buy a house in your twenties)
The point isn’t that it’s impossible.
The point is they act like it’s just as easy as it was when they were in their twenties.
Back when you could comfortably support a family with one job working 40hrs/week. Any job.
Back when people would happily buy a house in Cleveland, Ohio or Milwaukee, Wisconsin or Buffalo, NY. Coincidentally those places still have much affordable housing.
People want the things you mentioned AND they want it in NYC, LA, San Francisco, etc. The entitlement is the issue.
Lmfaoooo
I live in Ohio bud. It’s not entitlement.
Because there aren’t good jobs in those places anymore. So entitled wanting access to jobs…
And acting like NY, SF etc are the only places with a housing crisis. And the only places people want to live. It’s pretty much a housing crisis in any town with jobs.
I didn’t have issues. Saved for about a year, nothing crazy, and asked for a loan. Now I own a nice two-story house about a 15 minute walk from the city center. I don’t really get this “buying a home is impossible” -meme, I believed that too before I actually tried and was surprised how easy it was.
When was that? Where?
The house I bought in my 20s (for $275k, inflation adjusted) is now worth $475k.
The house I bought in my 30s ($480k, inflation adjusted) is now worth $800k
In my area at least, home prices are far outpacing inflation. I literally couldn’t afford to buy the house I’m in today at its current value.
Don’t forget, mortgage rates (at least in the US) are still the highest they’ve been since 9/11/2001.
That makes it even harder to buy the now more expensive house.
The house I bought in 2021 in a small midwest city was $395,000.
5000 sq ft. 6 bedrooms, 2.5 bath. Modernized and next to a large park.
What city are you in? That’s the difference.
People can move.
A couple years back during covid, in Finland. House prices here have been creeping up as well but not as aggressively as where you have lived. I doubt that’s the case in all of the US, there must be places with more modest prices. I “downgraded” to a smaller city when I went from renter to owner, couldn’t have bought a home to my liking in Helsinki due to the prices.
in Finland.
Well there’s the issue. Finland isn’t experiencing anywhere near the level of housing cost inflation of the US, Canada, and Australia.
And cheaper areas in these countries are cheaper for very good reasons (they suck to live in/have no jobs available).
They have Social Services too if I’m not mistaken.
“Social services” can hold a wide range of stuff and arguably every country does have social services, but yeah it’s one of the nordic social democracies with an extensive social safety net in place. I’m extremely grateful for it, even though I personally don’t use those services (apart from you know, like roads and shit) and they get funded through my income.
Sure. If you live in Cuntass, next to a half dead tree and 500 million mosquitoes
Sure there are places houses aren’t insanely expensive, but they are generally many hundreds of miles away from where there are jobs available that may pay enough to purchase said house.
Having lived in Europe it amazes me how many Europeans believe that because it’s still in the country, it’s not all that far. But if you compare directly a few hundred miles is usually in another country in Europe, where in the USA it’s more often still in the same state.
Sure, just move to a place whose best restaurant is McDonalds, the available job market is K-Mart or construction, internet is satellite at best, and 4/5ths of the people think the gays are coming to steal their guns.
I get what you mean, but cutting the hyperbolics out, it doesn’t sound too bad. You can’t have it all and I had to make concessions about a thing or two.
As an amusing sidenote, the second worst thing about the town I moved to was the lack of mickey Ds. I have to resort to the Finnish off-brand trash version instead.
It’s not a meme, it’s the harsh reality for many in the West. Not just the US.
And you’re what’s called an outlier.
I applied for a loan. I was told I don’t have a high enough credit score by the bank. So now I’m paying rent instead of a mortgage.
Imma be honest, I’m not from the US so I have only a superficial knowledge of what a credit score is, but I’d reckon that’s something you can affect, no?
Then why tf are you commenting at all???
That’s like jumping into a support group and being like “damn that sucks have you tried not having that happen to you?”
If it doesn’t apply to you why tf are you even here?
Seems like a humble-brag / flex / punching down to me. I don’t buy that they are totally ignorant to what they are saying.
Just saying that despite the memes it’s completely possible for a normal dude to buy themselves a home. I believed the meme until I tried. The more people I get to try buying a house, the more people get to buy a house, making their lives better and landlords lives worse which is a great win-win in my books.
Why fall into despair when there are things you can do to help your situation is what I’d ask you, knowing full well you didn’t answer the question I laid.
The problem is that you’re being extremely naive and ignorant of the rapidly worsening material conditions the majority of people in the west are experiencing. Your suggestion that “there must be something you can do to improve things, why are you whining?” comes across as tone deaf and dismissive.
People are struggling to keep their bills paid, and most are doing everything they possibly can to try and improve their situation, yet are still failing to keep their heads above water. It’s like someone is screaming “Help!! Help!! I’m drowning!!” and you’re screaming back “I’m swimming just fine, isn’t there something you can do to stay afloat? Why are you panicking?”
Affect, sure. In the same way that one can affect having rich parents who support you, thus making it easy to be rich yourself.
Being poor is fucking expensive, and the credit score system is a big part of that.
The credit score system is the yoke upon which the millennial/zennial generation has been shackled while Gen X and Boomers ride the wagon of home ownership and comfortable living due to not having to deal with that bullshit in the 70’s, 80’s, and 90’s.
Idk if that’s a passive or active you, but anyway that level of effect sounds quite large, maybe folk should find ways to make their credit rating better.
But I restate I have no clues as to the inner workings of this “credit rate” and if it’s indeed impossible or otherwise unrealistic to effect, I’m willing to grab an implied L on that one.
How much did you save in that year and what are your monthly costs?
I plugged my numbers into a mortgage calculator while back and I’d have to save like 20% of the total cost to get the monthly payments low enough. I have an okay salary and I’m still not making enough to do that in a year.
I can’t remember the exact figure, it was around 10k I had saved up, so roughly a third of what I had made that year. This was during covids lockdown phase, so I didn’t really have anything to spend my money on other than a savings account. My monthly loan payment is between 700-800€, I was smart enough to get a fixed interest rate which was ridiculous at the time but a literal moneyprinter now.
Yeah, that’s about what the figure I came up with was. Oh well I’ll keep throwing money away on rent I guess.
Alright mate, I hope for you to someday pass the obstacles in your way. Wishing all the best to you!
Congrats on your success though. Didn’t mean to sound bitter towards you if it came off that way.
with the help of your wealthy parents as cosigners and an income of $150k a year or more
I have no cosigners on my loan and my parents aren’t all that wealthy, not that it matters unless you count the socks I get each christmas as a gift from them large enough to warrant such financial relief.
And I make around 30k a year (4-day workweek btw, excluding summer months) and am single.
Like I said I too was surprised at how easy it was, literally try it before knocking. Though admittedly interest rates were much easier a few years back when I applied for the loan, so that probably changes your mileage.
Silly us, if course your personal experience is a more valuable data point than years of tracking on home prices vs incomes 🙂
Just adding context to it all, buying a house is entirely possible without too much effort and I doubt many of the doomers here have actually tried to own a home. I get the sentiment and how easy it is to fall to despair but try it before you knock it.
If that motivational speech doesn’t get your gears on a roll, let me remind you that by paying rent you are literally feeding the parasites known as landlords, rewarding them for fucking you over, and positively reinforcing that leechy lifestyle they live. Make an effort to be your own lord and fuck yourself over.
Peace
What is “too much effort” to others is definitely not the same as “too much effort” to you.
Are you above the median income for your age group? If so then your not too much effort could easily be way too much effort for more than half the people in your age group.
Checked the stats and I did slightly less than median income of my age group then (~2500€/month vs a median of 2966€/month). And honestly my effort was to home cook as much as I could and not spend money on things I didn’t need. The unironic boomer-tips I know, but it worked.
Maybe my distaste for avocado toast was enough in the end.
Just like your attempt at winning an argument dude took the reigns and fucked himself over, people like this are the ones that rarely can take it on the chin, Jesus that’s sad.
My man are you good? There is no argument, I’m not yelling at you for not being a houseowner or arguing for or against any philosophical or political ideology lmao. I’m just saying it’s entirely possible to buy a home, while acknowledging that it’s super easy to fall into despair like I did. If you choose to not try then don’t, it’s just sad to see you rather help your Lord to live a wealthier lifestyle.
Why you decide to be mad at me is something I really don’t understand but it’s fine.
It’s entirely possible you’ll be an olympic figure skater in your 20s too.
For sure, but that would take an unreasonable amount of work and effort so I wouldn’t compare the two.
but that would take an unreasonable amount of work and effort
and your hesitation in comparison because of said difficulty is precisely the reason i did.
I feel like maybe there’s a language barrier or you hate the joke, dunno. The comic works because buying a house is harder than in the past and trying to convince some people of that is often impossible. Rather than understand, some people seem almost like they would rather not understand.
If you keep looking, you might find one of those folks yourself
The comic works because buying a house is harder than in the past and trying to convince some people of that is often impossible.
I never argued it’s as easy as it used to be. I mean, I didn’t buy a house when I was a baby, but my parents did (when I was a baby, not them) and they didn’t have any issues afaik. I surely had to work way harder than they ever did for a home that was arguably worse in quality and I never said otherwise.
The comic to me seems to imply the idea that to buy a home you’d have to do something ridiculous and unreasonable (such as letting your dad die earlier), which isn’t the case. It is more ridiculous and less reasonable than it used to be, I’m not arguing that at all.
Depending on where you live it is almost impossible
Are you somehow magically bound to the place you live right now? My point never was that you could work at walmart for a year slipping tips down your sock until you can reach the downpayment for your malibu villa, if you don’t mind me exaggerating.
Ok boomer
It really is a disgrace this comment came so late. I was expecting it much earlier.
I bought a shitty house in shitty Toledo for $48k with zero down and a $13/hr job in 2007. I was roughly 22 at the time.
This is probably not possible today.
48k is a bargain though. I mean I checked google maps and yeah Toledo looks kinda ass (sorry Toledoans) but that’s a steal especially considering it was the boom before -08 bust. Prolly could’ve got a nice subprime to along with it.
Just need a small loan from your father for a million dollars, right?
