Hedgeye Podcasts

Hedgeye NexGen: Building Wealth for Young & New Investors | Episode 11 | Housing & Mortgages

6 snips
Mar 15, 2025
Arianna Petillo, a retail analyst at Hedgeye, dives into the challenging world of housing and mortgages, targeting young investors. She and Ryan Ricci break down complex mortgage mechanics and highlight the importance of long-term investing. They discuss the burdens of homeownership, including high property taxes and maintenance costs, while advocating for financial literacy. The pair also compare the advantages of owning a home versus renting, emphasizing the need for savvy financial choices in today’s inflated market.
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INSIGHT

Social Security's Low Returns

  • Social Security yields a low return (2%) on contributions, below the risk-free rate.
  • Investing the same amount in the S&P 500 could yield significantly higher returns.
ADVICE

Longevity Goals

  • Aim to live a long, healthy life.
  • Don't accept 77 as the average age of death; strive for 90 or beyond.
INSIGHT

Diminishing Social Security Returns

  • Higher earners see even lower returns on Social Security contributions (0.6%).
  • The more you make, the worse Social Security's return gets, incentivizing personal investing.
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