Thinking On Paper Technology Podcast US Housing Crisis: Why the Ownership Model Is Broken and You Still Can’t Afford a Home
The median US income is $68,000. Only 13% of the US workforce earns a salary; everyone else is paid by the hour or hustling in the gig economy. The median home price is $440,000.
Housing is unaffordable because the system is built to extract value rather than create stability.
“Affordable housing” is a great idea. But flawed. It relies on outdated subsidies, wage assumptions that no longer hold, and ownership models that extract rather than stabilise.
Chris Moeller joins Mark and Jeremy to Think on Paper about an alternative: stable living.
Stable living is a model built on long-term security instead of short-term yield. It separates land from structures, brings ownership back to residents, and uses impact capital, industrialised construction, and better coordination technology to rebuild the fundamentals.
Please enjoy the show.
And remember: Stay curious. Be disruptive. Keep Thinking on Paper.
Cheers, Mark & Jeremy
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Timestamps
(00:00) Trailer
(03:19) Challenges of Homeownership
(05:46) The Housing Market Dynamics
(08:29) Technology's Role in Housing Solutions
(10:41) Innovations in Construction
(12:29) Financing Housing for All
(15:06) Reimagining Ownership Models
(16:30) Technology's Role in Food Access and Coordination
(18:43) Adaptive Reuse in Real Estate and Community Development
(19:58) Commercial Real Estate Challenges Post-COVID
(23:15) Infrastructure Needs for Sustainable Living
(25:31) Global Community and Local Solutions
(26:45) Stable Living for Civil Servants and Community Heroes
(28:20) Creating Stability and Long-Term Impact