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America’s housing market isn’t just expensive — it’s structurally broken, and the consequences are accelerating into 2025 and 2026. High prices, high rates, and low supply are colliding in a way that quietly reshapes who can build wealth — and who can’t. This video breaks down why the real estate problem is no longer a normal cycle, but a systemic shift. Using a long-term, Warren Buffett–style framework, we look past headlines and focus on incentives, math, and second-order effects that most people miss. You’ll see why home prices have detached from incomes, why supply can’t catch up where people actually live and work, and how investors and cheap capital are changing the game for families. This isn’t about fear or timing the market — it’s about understanding risk, opportunity, and the real financial tradeoffs facing buyers, renters, and homeowners. If you’re renting and feeling squeezed, trying to buy and getting outbid, or owning a home and worried about your kids’ future, this analysis explains what’s happening beneath the surface. We also cover interest rates, zoning, policy choices, and why doing nothing may be the most expensive decision of all. No hype. No shortcuts. Just clear money logic applied to real life — so you can make better long-term decisions in a housing market that’s no longer built for the middle class. #realestate #investing #inflation #longterminvesting #kevinoleary #wealthbuilding