Generational Financial Challenges and Housing Trends

This chapter examines the financial habits and housing experiences of the baby boomer generation compared to younger generations, highlighting the demographic shifts in homeownership as boomers exit the mortgage landscape. It discusses the regulatory barriers that prevent affordable homeownership for younger individuals and reflects on the economic pressures, including student debt and rising living costs, that influence decisions around family planning. Ultimately, the chapter delves into the implications of these trends, including declining birth rates and changing societal values regarding children.