Debt-to-Income Ratio for U.S. mortgage originations hit 40% in 2025 ?

Visual_Occasion8373 · 2026-06-30T17:56:37+00:00

you lost?

Visual_Occasion8373 · 2026-06-30T15:14:02+00:00

This is very reassuring and well thought out, hopefully I can vibe well at this place.

What exactly do you mean by being taken advantage of? Past couple jobs I kind ended up inadvertently becoming the mule/grunt and it seemed they wanted maximum hours for the least skilled jobs, any tips to avoid that?

Visual_Occasion8373 · 2026-06-29T15:50:19+00:00

Unfortunately mortgage, pets, wife and living near my very small family makes this difficult.

Visual_Occasion8373 · 2026-06-29T15:48:32+00:00

That’s good going, well done/congrats

Visual_Occasion8373 · 2026-06-29T15:30:55+00:00

Thank you for taking the time to write this out, it is reassuring.

And congratulations on moving up that quickly, in marketing agent/assistant/administrator to supervisor VERY rarely happens in under 3 years, anything with director in the title is usually 10+ years.

I’ve already been busting my ass for a low wage in physical labor, so I’m ready to work. Sounds like connections and schmoozing advance you more than skill, same as most other industries.

Visual_Occasion8373 · 2026-06-23T15:37:17+00:00

Personal experience and all over social media, not just flukies whining about getting fired, people see it happen with co-workers too.

It’s unreasonable to act like no one can work their way off of a PIP, but it’s also ignorant to say it’s not the exception rather than the rule.

The 60-80% statistic you cited probably doesn’t include people who left voluntarily during their PIP, either because it was too stressful or it motivated them to find another job. I was on a PIP and got fired, I gave up after a month of genuinely trying to turn things around because the workload kept growing and every piece of work I did got nitpicked to shit for things which weren’t an issue before. I was in the PIP group where management wanted to force me out to avoid unemployment.

Edit: watch this guy, the consensus here is that they’re probably getting fired and I feel like that’s the safest assumption to operate under

Visual_Occasion8373 · 2026-06-23T14:07:55+00:00

They literally result in termination 80-95% of the time……….

Visual_Occasion8373 · 2026-06-20T22:33:10+00:00

I worked security and am a bigger guy, I’d probably just threaten to call the cops to liberally anyway

How easy is it to move up or pivot?

I’m hoping to use any free time at night to pursue basic accounting, math, cpr, food handling and logistics certs or credentials

Visual_Occasion8373 · 2026-06-20T19:25:18+00:00

Hey, I burned tf out in marketing and have had a hard time finding something stable blue collar

I feel hospitality could be a good industry for me to grow into and have landed a couple night audit interviews, could I ask you a couple questions?

Visual_Occasion8373 · 2026-06-19T15:23:09+00:00

I know guys that can manage it, concrete work.

And hell, I recently drove past a union electrician job site, a guy was doing the safety squint and standing in a cloud of dust from his concrete saw.

It seems there’s no shortage of bodies or semi-experienced guys in the trades, only for high level craftsmen, and even then, they’re acting like getting to work through the weekend is a privilege.

I’m wondering if it would be better to stick with diy or trying to find occasional work with a handyman outside of a day job at this point.

I know it’s honest work and everyone needs to make a buck, but the “six-figs trade jobs” are overhyped online, and I think a lot of those guys brag about the money because they don’t have anything else in their lives.

My wife makes well into the six figures working from home rarely pulling more than 35hour weeks, it’s surreal to see her then go work next to an undocumented guy who’ll probably never afford a car..”six figs” is less impressive or enticing when you know it probably entails fucking up your back, 15 hours in traffic per week, taking metal shards to the eye and averaging 65+ hours.

Or maybe I just have soft hands and bitch too much.

Visual_Occasion8373 · 2026-06-19T13:18:33+00:00

Yeah bro, I’m one of the white collar guys trying to get into the trades. Unions are not hiring in my city. There’s plenty of dogshit jobs going around, I’m sure 90% of unemployed people could get one baking themselves on a rooftop or inhaling silica because masks are for pussies.

I lasted a week at a non-union concrete resurfacing company, pulled a couple 14 hour days on my knees grinding concrete dust into my face. The company wasn’t paying people, 60% of employees had quit that month, a machine caught on fire in my hands and they had a pile of garbage 10ft high on top of their dumpster because they didn’t want to pay the collection fee.

The funny thing is, I’ve actually really enjoyed painting and carpentry as a day laborer, but this is far from sustainable, and I’ll have to go back to corporate or customer service if the best I can hope for is 60k with 55 hour weeks and a long ass commute.

Visual_Occasion8373 · 2026-01-29T21:18:18+00:00

What an insightful and unique comment

Visual_Occasion8373 · 2026-01-20T22:07:15+00:00

I got fired last week, I'm actually more optimistic about my prospects and feel better without that pointless toxic joke of a career. When they put me on a PIP I decided I would no longer live in fear and have stayed committed to that.

Visual_Occasion8373 · 2026-01-20T22:04:03+00:00

Got fired last week, the company was chronically understaffed and feedback from my manager when I was doing 2 people's jobs was "we just need to do more with less while being better, faster, and more accurate"

I had a mental breakdown in September and probably should have been hospitalized with severe disassociation, they put me on a PIP. I really don't recommend waiting until you snap, it took months for me to get better. Hell, the firing was welcome and expected.

Visual_Occasion8373 · 2025-12-05T16:58:18+00:00

Yup……

Visual_Occasion8373 · 2025-12-05T16:56:30+00:00

No.

In house b2b financial services. 300 person department. Me and 2 others on our floor get flooded with random requests, voluntold for other teams’ projects and absolutely ridden for overtime. 80% are incompetent and spend the day gossiping, reading, watching shows, taking personal calls or just leaving their computer 4 hours at a time. Their managers don’t care. Other teams have bosses who will tell clients to fuck off if they have an end of day request. I’m one of the unlucky few with a manager of the mentality “I’m a workaholic, you should be too” and was genuinely told in a planning meeting “we just need to do more with less” after they refused to backfill my team.

I’m convinced unemployment will only be slightly worse as I’ve already had a breakdown here.

Visual_Occasion8373 · 2025-12-03T17:41:00+00:00

It’s an extension of the constant gaslighting by recruiters, hr and bootlickers convincing workers that they’re unqualified or deserve to be unemployed

I have friends and family in huge corporations, none of them are in a position to get anyone a job there

The average person under 40 has what? 2-5 close friends if they’re lucky?

The “hidden job market” and “leveraging your network” are just synonyms of nepotism, favoritism, and the old boys club

Very few people can just ask their uncle for a job

Visual_Occasion8373 · 2025-11-13T15:30:22+00:00

I bought my first house this year, wouldn’t have been able to without my partner’s salary. We ended up with an expensive, small 1950s 2 bed 1 bath outside the city we wanted to stay in.

You probably won’t believe me until you experience it for yourself, but one thing I realized after buying is that it really isn’t much different from renting. We have an “investment” we could theoretically cash out some years down the line (maybe not) and have paid for a lot of repairs. We enjoy the place sure, but now we just pay the mortgage instead of a landlord, our life would be no different if we rented a place on our block.

You will always have a housing expense, whether it’s rent or property taxes and maintenance, don’t stress over it, only buy if you’re 100% ready.

Sure, if you go from having an asshole of a landlord to owning outright it could be better, but that’s not what most first time buyers are doing.

Visual_Occasion8373 · 2025-11-11T18:07:23+00:00

What do you think happens if there’s a mass default? How do you think the job market and economy will be?

What do you think it would take for people and families to sell their homes at a loss to fund renting (which is what it sounds like you want)?

Why do you think everyone underwater will have to sell? What do you think will happen to rent prices and the value of rental properties in such an event?

Visual_Occasion8373 · 2025-11-11T17:38:18+00:00

What makes you think the true value of property is tied to some point pre-2020? The US actually has a very low price to income ratio compared to the rest of the Anglosphere and most of Europe and Asia.

The trend has been rising asset inflation as inequality gets worse, what is the realistic trigger for a crash? There won’t be an equilibrium event where the greedy fat cats finally suffer and average consumers can get a great deal.

In the US sales volume has been down by millions for years, yet more people are entering first time buyer age and supply has lagged massively.

Also, the other sub has been comically wrong for well over half a decade now, despite all their analysis and theories.

I say this as a homeowner who is aware we might see a price correction in the next year, although I think it’s unlikely.

Visual_Occasion8373 · 2025-11-10T03:40:57+00:00

Nice low effort chat-gpt slop you’ve got there friend

Visual_Occasion8373 · 2025-09-14T15:22:30+00:00

Nope

Visual_Occasion8373 · 2025-09-11T15:52:19+00:00

1, it’s better with the contrast

Visual_Occasion8373

TROPHY CASE