this post was submitted on 18 Apr 2026
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The issue is that the way the economy is going, young people who don't inherit a starter home or at least a down payment from their parents, will never become homeowners. It's not quite bad yet, it'll get much worse than it is now.
If you're not willing to leave your home as an inheritance, don't have children.
And people who don't even own a home, shouldn't have kids at all? I guess that would solve some problems..
But really, being willing to leave your home is not the only consideration. I finally got my mom convinced that she should sell her home, because she can barely get up the stairs anymore due to health issues. Am I supposed to force her to keep living there so I can get her money? Do you realize how fucked up that is? No. Absolutely not. She worked her entire life and she should be able to enjoy her retirement, and make it as easy as possible for herself, without having to worry about all the shit that comes with owning a home, and definitely without me complaining about how unfair it is that she won't just die and leave me all her crap.
Unfortunately yes, those people shouldn't have kids. Or rather, if they had any conscience, they wouldn't be bringing serfs into this world.
You were probably also born early enough that you can still buy property with a loan. But we're one or two proper crises away from that ever being an option for the younger folks.
And the system is designed for that. Expensive assisted living facilities are there so you'd have to sell your home so you can be sucked dry before death. Not just a US thing either. It's the same in my country.
When plebs leave their property to their offspring, they'll start accumulating generational wealth and we're not supposed to have that.
Like I said, don't like it, don't have children. Not unless something significantly changes economically. I for sure wasn't planning to have my kid without having a solid financial footing, but my ex of course lied about being on the pill since she saw how much I was earning and saw it as a way to get out of having to work herself. At least I do have my family home, built by my grandparents, that my kid will one day inherit. But of course I don't want to die too early so I'm also trying to put together enough money for a 20-30% down payment for an apartment in 20 years or so. To kickstart the equity building process. Shouldn't be too hard normally to do over such a long period, but my ex put me nearly six figures in debt so it'll take me a bit lol
Look, we're never going to agree about this, I think. Sure there are a lot of problems for young people nowadays, but maybe we can find some actual solutions? Maybe, I don't know, vote in people who actually make life more affordable? Maybe trying to pass some laws that make it easier for people to survive. Maybe make healthcare more affordable, education more accessible, build some sort of safety nets for people, a living wage, whatever; make life better for people so they don't have to wait until their parents finally die to make something of their own lives. Actual systemic changes in stead of just making it more bearable for some people.
But imo we shouldn't go and try to create a world wherein parents are no longer humans but only inheritance dispensers who can't live their own lives.
In case you were wondering, no I don't have or want kids, and no, it has nothing to do with money.
But I'm thinking that you are American, right? Because I have never even wanted to own my own home. It has never been a requirement to live comfortably. It's not needed as an 'insurance' or investment. And I have never seen my parents as some bag of money I get to spend when they finally decide to die. It's disturbing to me that many people apparently think that's normal? I mean, don't you love your parents and want to see them happy? I don't get it. My parents were very young when I was born. By the time they die, I'll be like 60 or (hopefully) even older. I can't imagine waiting my entire life for them to die, just because I want their money. How fucked up is that?
It's free, but I probably have to pay more taxes than you do. Nearly half my income goes towards taxes and then we have 24% VAT for most things, including groceries.
It's free for most people, but that just means it doesn't qualify a good enough income anymore. I earn about a fifth of what I could in the US, while our minimum wage is not much lower than the US, for an example. And a master's degree doesn't qualify you a job at McDonald's either, we've over-educated our population. Result is that you need plenty of experience for your first job in whatever industry you studied for.
Well, they already exist? There's unemployment, which doesn't cover shit because we don't pay enough taxes yet, as well as homeless shelters if you're sober you can go to and even social housing if you're destitute enough and trying to get out of it, but obviously there are waiting lines for those.
Minimum wage rises annually.
But it's only fair given that children are legally mandated to take care of their parents in old age.
My ex is not going to leave either of her kids a single euro. She will probably cost them tens of thousands in end of life care because she opted out of pension payments and took out the funds at the age of 22 or 23. She'll have free healthcare, sure, but old people's homes cost more than the national pension. It's 1500€ a month currently near me and if you rely on the national pension alone, that's well under 1000€ for most.
Trouble for me is when I'm eventually too old to work or AI takes my job for real, I'll need to have something I don't have to pay exorbitant rent for. If that's not a concern for you, you're incredibly privileged, being able to piss away thousands or tens of thousands of euros a year for the rest of your life. As a software engineer, I can already tell you that this ladder's been pulled up and nobody hires entry-level engineers anymore. Same for a lot of other knowledge work. Things aren't going to be getting any better. Most people would rather have a home they don't have to pay every month for when that happens.
Who's waiting for the parents to die? I'm just speaking about generational wealth being a necessity in this world, because all the millionaires and billionaires are doing it, but the poor are just selling off their already small assets to the aforementioned millionaires and billionaires so they can rent them out to their kids and grandkids.
I can tell you from looking at my friends: Those whose parents gave them money to make a down payment on a first apartment started buying them in the mid-20s. Those who didn't, were lucky to get their foot in the door at 30, some still haven't. 20 years from now, those who can't get a down payment from their parents, will not be able to buy ANY home unless incredibly lucky. Parents who don't want to royally screw over their kids and also don't want to leave their homes as inheritance, should just prepare the funds to get their kids a foot on the ladder when the kids reach their 20s. That's what I'm trying to do, anyway. My parents didn't, but they never had the ability and at least I have a house I can come back to when things go to shit (so can my mom, it's not like I'd ever kick her out, she's just living with her boyfriend right now). Estonia is one of those countries where people have to work for a living and when you're unemployed for a long period, rent becomes kinda hard to afford.
And let's go back to this for a moment.
Who do you think voted against those people in the OP? The kid who didn't get a house, or the boomer parents who sold the house and wanted its value to be as high as possible? The same people selling their homes instead of leaving them to their children are the same people voting against anything that could reduce real estate prices. Because they'd be out of money then. If you're looking to sell your home for retirement, it makes sense to vote for people who block new developments so housing is less affordable for future generations. Otherwise you're profiting less.
Things are only just starting to go to shit. They will get a lot worse. And in most of Europe, most of us don't really have guns either to Luigi the people who are guilty. Which is why I think anyone who's having children in 2026 without a plan for how those children are going to be afford normal life, is selfish as fuck.