Trying to save up 20% was the biggest mistake of my home buying experience.

My whole fucking life my parents insisted that you had to have 20% down, so that’s what I aimed for. Both my siblings just YOLOed and bought houses between 5-10% down, but I had a better paying job, so continued to save. As I saved, the cost of housing out grew my rate of savings.

When I finally did get a mortgage I only put 15% down and it was at that point I realized that the only thing the 20% down would do for me was save me something like .75% for the first 5-8 years. That is still a lot of money, but compared to just buying a house at $175,000 10 years ago and selling it for double when I ended up moving anyway–it’s nothing.

The whole system is fucked. There’s no reason only those making 6 figures or more should be the only ones with the privilege of trying to own the place you live someday. There’s no reason a company should own a place to live. There’s no reason minimum wage shouldn’t cover a reasonable lifestyle for a family. There’s no reason housing in general shouldn’t be available to everyone.

The criminals, you don’t have to move out. We’re going to put you in jail where you belong.

Pretext to classify anyone living on the street who refuses to leave DC as a “criminal” and shuffle them off to work camps.