Tom Bilyeu's Impact Theory

Why the American Dream of Homeownership Is Dying and What You Can Do About It | Tom's Deepdive

46 snips
Dec 8, 2025
The current American housing market is dissected, revealing why homeownership feels out of reach and the American Dream is fading. Historical shifts, inflation, and corporate interests converge to create a crisis for younger generations. Blame is placed on politicians, boomers, and Wall Street for the scarcity-driven landscape. Yet, actionable strategies for navigating this mess emerge, including house hacking and co-buying. Civic engagement is encouraged to tackle zoning issues, alongside a call to take control of personal finance and build wealth creatively.
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INSIGHT

Affordability Collapse Is A Systemic Failure

  • Housing affordability has collapsed due to decades of policy, money printing, wage stagnation, and corporate buying.
  • This is a collapse of opportunity, not a simple price bubble, Tom Bilyeu explains.
INSIGHT

Four Forces Turned Housing Into Scarce Asset

  • Cheap money, restrictive zoning, globalization, and institutional buying compounded to make housing scarce and expensive.
  • Each factor reinforced the others, turning housing into an inflation hedge and a vehicle for concentrated wealth.
INSIGHT

Money Printing Made Owning Compulsory

  • Money printing after crises repeatedly inflated asset prices, transforming homes into compulsory hedges against inflation.
  • Real wages stagnated, so asset ownership became the primary way to preserve purchasing power.
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