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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Hedgeye Macro analyst Ryan Ricci breaks down finance to its simplest form to help you build wealth over the long term. In this episode, Ryan and Hedgeye Retail analyst Arianna Petillo discuss what has become perhaps the least favorite financial topic for anyone under the age of 40: buying a house. They discuss the dynamics of getting a mortgage and how to not sink into debt once you finally have a house.

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