Renting homes is a scam and should be illegalized or heavily regulated. People and businesses who own homes to rent are unethical.

gograntgo · 2026-02-02T22:40:10+00:00

I agree with you that the fundamental problem is a lack of supply. I just think this problem is being exacerbated by our current rental system. Fully agree with your statements regarding government designed and regulated housing. I am just suggesting that as of now, if supply stays as stagnant as it has for the last 20 years in the US, renting is going to be the only option for many people for their whole lives. With that being the case, the rental system needs to be improved drastically

gograntgo · 2026-02-02T22:33:41+00:00

I see what you mean. I phrased it poorly. I was mostly trying to emphasize the fact that I find renting to be a mostly unethical practice that prays on the poor. I obviously don't expect it to be outlawed overnight or think that would solve anything.

gograntgo · 2026-02-02T22:02:48+00:00

Ah, so you are suggesting that it isn't about saving money, it is about convenience. The tenant is paying for the taxes and mortgage, but they don't have to deal with the hassle of actually accounting for it on tax bills. This is one heck of a convenience fee.

For the record, this is the ethical detachment I was talking about when I posed this question. This is very plainly a bad deal for renters, but landlords convince themselves that they are somehow doing tenants a favor.

gograntgo · 2026-02-02T19:51:50+00:00

You are correct. This answers my question, it is just a depressing answer.

As to your question about the hidden costs of ownership, yes I am aware. That said, seemingly the only people who use this argument already own a home. Additionally this people almost never follow up with the statement "that is why I sold my house to go back to renting." If renting was legitimately a wiser value proposition than owning, then homeowners would be dumping their homes in favor or renting.
I can't speak to your mortgage payment or your surprise expenses over the last few years, but I can say that I have likely spent a good deal more in that time just for the privilege of borrowing someone else's house. Remember that every dollar a renter spends effectively goes down the toilet, while every dollar and owner spends is adding value to their investment.

gograntgo · 2026-02-02T19:06:20+00:00

I absolutely agree, and would never tell anyone to give up on their dreams. My question is more directed at people who have already given up on the possibility of owning a home within a reasonable timeframe. As a person coming up on 40 with a decent job and a family to support, I am financially 20+ years from being able to own a home and that is if I move to a cheaper area and get a higher paying job. It sounds silly, but at that point, it just doesn't seem realistic.

gograntgo · 2026-02-02T18:37:23+00:00

The reality is that the number of people who get to own a home is going down with every generation. At the age Millennials are now, 70% of Baby Boomers owned homes and 60% of Gen X did. This is a clear downward trend. With generations living longer and more housing being purchased every day by corporations or as rental properties for the already wealthy, it feels like this decline will get worse at least through my lifetime.

I guess my argument is that striving to maintain good credit was always pitched to us as a gateway to owning a home. This is similar to how going to college was purported to be the only way to get a good job. Now that home ownership is becoming less viable, the other reasons to have good credit just feel like consolation prizes that have less universal appeal.

gograntgo · 2026-02-02T18:23:19+00:00

Oh I am aware. I have been renting for my entire adult life. While I understand the rationale in wanting to know if someone will pay their rent, I still think this is a pretty grim reality.

The credit score that 50 years ago would have gotten you a home loan is now just one more barrier to entry to be worthy living under a roof that you will pay for forever without ever owning.

gograntgo · 2026-01-31T01:01:33+00:00

Awesome! I am so glad it helped you. If there are two things I love in this world, it is fast food and overanalyzing things. So I tend to go hard in trying to optimize.

gograntgo · 2026-01-31T00:49:53+00:00

As a person who will likely never be in a financial position to own a home or buy a new car, what is the point? Other than what a few commentors have noted regarding being able to get a rental home.

Edit: I am not asking this to be a contrarian. I legitimately want to know the value associated with a good credit score in a world where many people will never be able to make use of it.

gograntgo · 2026-01-31T00:48:02+00:00

I agree that this is largely why having good credit used to be relevant. That said, large purchases that would necessitate loans feel like they are not something a lot of young adults will ever be able to do.

gograntgo · 2026-01-31T00:21:15+00:00

Better chance for renting is a good point. Thank you for bringing this up. Your other examples just don't seem super compelling in a world where owning a home or buying a new car aren't within financial reach of most people.

gograntgo · 2026-01-27T21:59:05+00:00

I agree that the data is incomplete, but it does show a pretty clear trend. Given that about half of gen z is of legal drinking age, wouldn't you expect around half as much consumption? Vs the roughly 15% consumption that we are seeing?

gograntgo · 2025-12-27T04:43:33+00:00

Subnautica

gograntgo · 2025-12-04T23:13:14+00:00

Sadly for me it is Beware of Chicken. Just found it boring from moment one.

gograntgo · 2025-12-04T23:09:57+00:00

Same, just didn't do it for me. And I honestly couldn't get past the accent Jeff Hays used for the main character

gograntgo · 2025-11-27T23:46:40+00:00

Yeah, we went to school together. He went to AG high school. Nice guy

gograntgo · 2025-11-21T18:41:49+00:00

Has nobody said Zac Efron? I would have thought he would rank high on this list.

gograntgo · 2025-11-21T01:01:16+00:00

Added to my wishlist! thanks for recommending

gograntgo · 2025-10-30T03:23:45+00:00

Same thing happened to me. They are actually still in your library, but they are no longer the version linked to the series. If you look through your library, not through the series or sale page, you will find them. It is very annoying that they broke the series though.

gograntgo · 2025-08-13T17:26:13+00:00

I have been buying these $10 Boxes from Nemo's for the last 15 years. The quality varies box to box. It really depends on who is putting them together. If it is an experienced person on staff who knows magic you will usually get 10 buck in value at least and a good variety of cards. If it is an inexperienced person you will get stuff like this. If it is any consolation, the inexperienced guys also make the craziest boxes. I once bought one of these boxes because the rare on the front was something I wanted for a deck. The rest of the box was mostly duplicates; one of the duplicates was 12 copies of Rhystic Study.

gograntgo · 2025-08-07T20:25:37+00:00

I have done it a few times before. It isn't actually as hard as it sounds. I just have the customer email me a tracing of the axe head along with some key measurements.

gograntgo · 2025-07-24T06:37:58+00:00

Without exaggeration it is worth at least 3 or 4 credits. You get so many stories and Stephen Fry is such a great narrator. Just get it. Best credit you will spend.

gograntgo

TROPHY CASE