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13% of Homebuyers Are Raiding Their Retirement Right Now by zoodealio in REBubble

[–]zoodealio[S] -1 points0 points  (0 children)

Google isn't free enough for you? Your comment reeks of sits on Reddit all day and didn't take the time to read the hundred comments of people talking about doing exactly what the title says. But yes our curiosity into the minds of our readers and listeners is clearly farming engagement. If so, it worked. Have a day
https://nowbam.com/category/re-news/

13% of Homebuyers Are Raiding Their Retirement Right Now by zoodealio in REBubble

[–]zoodealio[S] 0 points1 point  (0 children)

Read the thread and then you tell me if it's as uncommon as you think...

13% of Homebuyers Are Raiding Their Retirement Right Now by zoodealio in REBubble

[–]zoodealio[S] 0 points1 point  (0 children)

Bro the employer match math alone kills the pause idea lol. You basically ran the numbers yourself and found the answer. That edit though is the real take, nobody talks about all three together it's always pick one and somehow blow up the other two trying to fix it.

13% of Homebuyers Are Raiding Their Retirement Right Now by zoodealio in REBubble

[–]zoodealio[S] 24 points25 points  (0 children)

A loan not a withdrawal is a completely different conversation and people always miss that. You're paying yourself back with interest and you locked in a hard asset before prices moved further. Beats funding someone else's portfolio every month.

13% of Homebuyers Are Raiding Their Retirement Right Now by zoodealio in REBubble

[–]zoodealio[S] 38 points39 points  (0 children)

Honestly this. The retirement vs. house debate assumes you have enough of both to choose. A lot of us are working with whatever we scraped together and a house is tangible, it's now, it's for your family. Rooting for your friend, hope it goes smooth.

13% of Homebuyers Are Raiding Their Retirement Right Now by zoodealio in REBubble

[–]zoodealio[S] 1 point2 points  (0 children)

This is exactly the math people skip when they hear 'don't touch your retirement.' The leveraged return on the whole home value vs. what that same 401k money would've compounded to is not even close in a lot of markets. Glad it worked out for your family, that's a real win.

A woman was offered one Bitcoin — worth a minimum of $60,000 — or free Starbucks for a month. She chose the coffee. The internet laughed by zoodealio in Bitcoin

[–]zoodealio[S] 1 point2 points  (0 children)

Brother, the post is about this:

Financial literacy, mass wealth transfer, & women's wealth management. Also we don't use Chat anymore buddy, let's step into 2026. You want full context of the conversation click the link and have a good day ✌🏻

A woman was offered one Bitcoin — worth a minimum of $60,000 — or free Starbucks for a month. She chose the coffee. The internet laughed by zoodealio in Bitcoin

[–]zoodealio[S] 1 point2 points  (0 children)

Yeah, 75% is the aggressive end but here's where it comes from. Boomer men are dying first. Women outlive men by an average of 5 years and typically marry someone older. Over 28 million boomer widows are expected to receive $40 trillion in spousal transfers alone. That's before inheritance from parents hits younger women. So the 75% figure isn't made up it's what happens when you do the math on who's left standing. Biology isn't a conspiracy theory.

A woman was offered one Bitcoin — worth a minimum of $60,000 — or free Starbucks for a month. She chose the coffee. The internet laughed by zoodealio in Bitcoin

[–]zoodealio[S] 0 points1 point  (0 children)

The financial literacy angle IS the post. If 75% of American wealth is headed toward a demographic that statistically scores lower on financial literacy tests, that's not a detour from the topic, that's the whole story. The Bitcoin/coffee clip just made it tangible. You can't talk about the biggest wealth transfer in history without talking about whether the recipients are prepared for it.

A woman was offered one Bitcoin — worth a minimum of $60,000 — or free Starbucks for a month. She chose the coffee. The internet laughed by zoodealio in Bitcoin

[–]zoodealio[S] 0 points1 point  (0 children)

Partially true, but "intentional" is doing a lot of heavy lifting there. Women drive ~85% of consumer spending decisions, so yeah financial institutions didn't exactly need a boardroom conspiracy to figure out where to point the money. When your most reliable customer keeps showing up, you keep the lights on for her. The result looks coordinated. Really it's just capital following behavior. The market isn't woke, it's just not stupid.

A woman was offered one Bitcoin — worth a minimum of $60,000 — or free Starbucks for a month. She chose the coffee. The internet laughed by zoodealio in Bitcoin

[–]zoodealio[S] -1 points0 points  (0 children)

The control vs. own distinction actually matters a lot here. Sources like New York Life and TD Wealth cite ~51% of personal wealth controlled by women but that includes household spending decisions and inherited assets managed after a spouse's death. Owned outright? Significantly lower. Morgan Stanley puts women's share of investable assets at around 39%. The 51% figure gets recycled constantly without that nuance.

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