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The average first-time homebuyer is now 40 years old. Home prices are 5x median income. 75% of households can't afford a median-priced home. You're not failing, the math changed. In this video, I break down exactly why homeownership has become nearly impossible, who benefits from keeping it that way, and what options actually exist that nobody's talking about. We cover: → Why the housing market is structurally broken (not your fault) → The lock-in effect keeping 1.7 million homes off the market → How institutional investors are targeting starter home neighborhoods → The 12% stat that explains the marriage and family crisis → Down payment assistance programs most people have never heard of → Assumable mortgages and other workarounds that still exist The system isn't getting fixed. But there are cracks — and I'll show you where they are. TIMESTAMPS: 0:00 - The shift nobody warned you about 0:45 - The math that doesn't work anymore 3:00 - The lock-in trap explained 5:00 - Who you're really competing against 7:00 - Why this isn't your fault 9:00 - What homeownership delays actually cost you 10:45 - Where the cracks in the system are 12:15 - What to do now Contact Email: rene@remirene.com #RemiRene