this post was submitted on 21 Dec 2025
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I'm also a 'geriatric millennial', but I wasn't in a position to buy until 2009 so my experience was vastly different. I do have some same-age friends who bought in 2007 with stories more similar to yours, though.
Ironically, my mom tried to warn me against buying back then. I would've been absolutely screwed if I'd listened to her.
Yeah, it's the worst financial mistake we ever made. If we had waited just a few months, we would have at least qualified for the bailout money.
We had so many friends that bought in 2009 and 2010 at the bottom and watched them flourish.
It took us 12 years to recover, but we're homeowners again and ultimate leaving for higher pay finally worked out in our favor. We bought again in 2020 and our down payment was the entire cost of the first house (we went from medium cost of living to very high with incomes to match). We emptied just about everything, but had also been saving hard since selling the shit heap. 5 years later, we're finally comfortable.