In this episode of The Secret War on Cash, Dean Heskin and Chris Agelastos examine the housing affordability crunch now reshaping life for younger Americans. The discussion focuses on the fact that the income needed to afford a median-priced home has nearly doubled since 2020, while home prices, rates, and rent have all continued moving higher.
The episode also explores the generational consequences of that shift, including the fact that 1 in 3 adults under 35 lives with their parents, even though most of them are employed. Dean and Chris connect this to the broader shortage of entry-level housing, the roughly 4 million-home supply gap, and the way rising costs are delaying wealth-building for younger households.
Key topics include:

housing affordability and mortgage-payment shock
why younger buyers are being locked out
rising rents and shrinking starter-home supply
why higher incomes still are not enough
how housing pressure fits the broader cash-war thesis
what this means for families trying to build stability

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