#  @just_in_brown Brownie Brownie posts on X about money, if you, fixed income, in the the most. They currently have [------] followers and [---] posts still getting attention that total [---------] engagements in the last [--] hours. ### Engagements: [---------] [#](/creator/twitter::335068436/interactions)  - [--] Week [----------] +19,920% - [--] Month [----------] -69% - [--] Months [-----------] +2,220,413,636% - [--] Year [-----------] +172,003,789% ### Mentions: [--] [#](/creator/twitter::335068436/posts_active)  - [--] Week [--] -80% - [--] Month [---] +89% - [--] Months [---] +33,500% - [--] Year [---] +4,113% ### Followers: [------] [#](/creator/twitter::335068436/followers)  - [--] Week [---] +2.20% - [--] Month [---] +17% - [--] Months [---] +85% - [--] Year [---] +126% ### CreatorRank: [-------] [#](/creator/twitter::335068436/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [countries](/list/countries) [stocks](/list/stocks) [technology brands](/list/technology-brands) [celebrities](/list/celebrities) [social networks](/list/social-networks) [ncaa football](/list/ncaa-football) [automotive brands](/list/automotive-brands) [travel destinations](/list/travel-destinations) [cryptocurrencies](/list/cryptocurrencies) **Social topic influence** [money](/topic/money), [if you](/topic/if-you), [fixed income](/topic/fixed-income), [in the](/topic/in-the), [math](/topic/math), [culture](/topic/culture), [debt](/topic/debt), [matter](/topic/matter), [investment](/topic/investment), [food](/topic/food) **Top assets mentioned** [BlackRock Inc (BLK)](/topic/blackrock) ### Top Social Posts Top posts by engagements in the last [--] hours "@CFBPlayoff @espn @ReceDavis You can see the guilt in both of their faces. Fucking FSU like this is the slimiest moral compromise in the history of college football" [X Link](https://x.com/just_in_brown/status/1731480766234730989) 2023-12-04T01:09Z [--] followers, [--] engagements "@KirkHerbstreit I have never seen so much guilt in the college football world in my life. It is clear that there was a significant level of moral compromise in this decision. This is how faith in institutions goes to shit. I hope the noles skip the bowl game" [X Link](https://x.com/just_in_brown/status/1731483311145361482) 2023-12-04T01:19Z [--] followers, [--] engagements "@GrahamStephan @S_T_E_V_E_3 Assuming 1.6% is correct youre talking about 1.5-2M homes. Private equity has more homes in their portfolio than the smallest [--] states have in their borders" [X Link](https://x.com/just_in_brown/status/1734932305620132329) 2023-12-13T13:44Z [--] followers, [--] engagements "@TheRabbitHole84 commute verb gerund or present participle: commuting [--]. travel some distance between one's home and place of work on a regular basis" [X Link](https://x.com/just_in_brown/status/1823825846165291122) 2024-08-14T20:55Z [---] followers, [--] engagements "@unusual_whales Make the American consumer a debt slave for longer. This is the [--] year auto loan all over again. More interest more depreciation by the time its paid off. Creating artificial demand is an awful idea" [X Link](https://x.com/just_in_brown/status/1836088414187458794) 2024-09-17T17:02Z [---] followers, [--] engagements "@RichardHanania Credential crisis. College Education got watered down when the federal government took over student lending" [X Link](https://x.com/just_in_brown/status/1844073954711044473) 2024-10-09T17:54Z [---] followers, [--] engagements "@redrose_anna Wildly popular in construction and infrastructure services especially in pursuit of state and federal contracts" [X Link](https://x.com/just_in_brown/status/1852372015346290743) 2024-11-01T15:27Z [---] followers, [--] engagements "@jmhorp Louisiana Florida Hawaii and Puerto Rico would all benefit from soft drink clients. This will causea major boon to the local economies and a better prodict" [X Link](https://x.com/just_in_brown/status/1858500352099705311) 2024-11-18T13:19Z [---] followers, [--] engagements "@EricRWeinstein @NSF @theNASEM American culture embraces unapologetic obsession. Dive into YouTube and youll see Americans who have dedicated their whole life to the most random niche topics. The culture is not the issue" [X Link](https://x.com/just_in_brown/status/1873907513864933882) 2024-12-31T01:42Z [---] followers, [--] engagements "@Ford Bring back green paint options. Its been long enough" [X Link](https://x.com/just_in_brown/status/1879723692663734567) 2025-01-16T02:53Z [---] followers, [--] engagements "@ClayTravis It should be played in its regular primetime slot on a local channel like it is on Super Bowl Sunday. Instead its on a Monday exclusively on a channel you cant watch without paying for [---] other bullshit channels along with it" [X Link](https://x.com/just_in_brown/status/1882265443186225354) 2025-01-23T03:13Z [---] followers, [--] engagements "@LFC_ThomasK @KarluskaP STEM grads like the ones you mentioned repay their loans. Arts and Humanities grads dont. Tax dollars have plenty of better uses than funding low ROI degrees" [X Link](https://x.com/just_in_brown/status/1917033319755055385) 2025-04-29T01:48Z [---] followers, [--] engagements "@girdley The American housing market is a game of monopoly. Those who already own assets get first pick and young people fight over the overpriced scraps that actually get listed on MLS. You dont need more homes you need first-time buyers to get priority over Airbnb and SFR investors" [X Link](https://x.com/just_in_brown/status/1972751575228850228) 2025-09-29T19:53Z [---] followers, [---] engagements "@mcuban The real abuse is the uninsured including illegals using the ER as urgent care. Over 80% of visits are treat and release. No ones denying life saving care and claiming otherwise is either bad faith or ignorance" [X Link](https://x.com/just_in_brown/status/1974972199661687103) 2025-10-05T22:57Z [---] followers, [--] engagements "@CPhilly19 If you show up to Death Valley with [--] losses by week [--] no one really cares about the matchup. LSU having a loss themselves doesnt help" [X Link](https://x.com/just_in_brown/status/1977497912419492002) 2025-10-12T22:13Z [---] followers, [---] engagements "@EverythingRebs LSU fans dont care about the matchup. Two losses in the first five weeks for South Carolina doesnt spark much excitement. The offense looked awful and the win should have been routine. They cant all be bangers" [X Link](https://x.com/just_in_brown/status/1977502973484781708) 2025-10-12T22:33Z [---] followers, [----] engagements "@captainGC0 LSU fans didnt care about the matchup. South Carolina was unranked and there was three losses in the first five weeks between the two teams. Middle of the road football" [X Link](https://x.com/just_in_brown/status/1977555210882130395) 2025-10-13T02:01Z [---] followers, [---] engagements "@yrnational Youre squandering a teachable moment. Booting them incentivizes leaks. Private words no matter how ugly are meant for private eyes. Punishing someone for leaked messages that are not calls to harm punishes thought not action and sets a dangerous precedent" [X Link](https://x.com/just_in_brown/status/1978265300270202896) 2025-10-15T01:02Z [---] followers, [--] engagements "@KPolo903 @GPAIndiana It absolutely is. DEI isnt just about race. Major companies like Adobe Google Microsoft Intel McDonalds Barclays Apple and Salesforce all publicly track DEI quotas to pat themselves on the back. Just search their names with DEI and see how common it is. Its everywhere" [X Link](https://x.com/just_in_brown/status/1978923198369382632) 2025-10-16T20:37Z [---] followers, [--] engagements "@La_DOTD The traffic lights atthe interssction of LA-1 and LA-989-2 (West Main St.) in Brusly West Baton Rouge parish have been malfunctioning for a few days now is there someone to call concerning this" [X Link](https://x.com/just_in_brown/status/1073220852999696384) 2018-12-13T14:19Z [---] followers, [--] engagements "Brian Kelly had his big moments but he never felt like he fit LSU. I hope the next hire is someone who gets the culture and the people. Last night was embarrassing all around and him being fired for it felt inevitable" [X Link](https://x.com/just_in_brown/status/1982604083476529649) 2025-10-27T00:23Z [---] followers, [---] engagements "@PaulFisch1 @MorosKostas Social Security is earned through work and payroll contributions rewarding labor force participation rather than fostering dependency. If welfare were disincentivized Social Security would be more solvent" [X Link](https://x.com/just_in_brown/status/1983207042270499062) 2025-10-28T16:19Z [---] followers, [--] engagements "@Vern_Funquist I moved here [--] months ago. I dont know everything about the inner-workings of LSU. Fixed it" [X Link](https://x.com/just_in_brown/status/1984286552550420627) 2025-10-31T15:49Z [---] followers, [---] engagements "@9mm_smg How does this confrontation look without other guys around A self-righteous bully cornering a small woman over his woke bullshit politics. Im glad the men stepped in to remind him that real life isnt the same as his online echo chamber" [X Link](https://x.com/just_in_brown/status/1985439511468241047) 2025-11-03T20:10Z [---] followers, [--] engagements "Adults are still in the room just not getting as much reach. Something obviously shifted after Charlie Kirks death. People were angry and everyone engaged with all the radical garbage that was being splattered everywhere. A few months later and the outrage shitposting has just become routine for some people. The momentum isnt going to last" [X Link](https://x.com/just_in_brown/status/1985524918784835753) 2025-11-04T01:50Z [---] followers, [---] engagements "A generation of millennials now entering the prime of their careers are still serving under boomer managers who intend to work past [--] or do not plan to retire. The white collar economy has delayed retirement so much that it has pushed career trajectories back by five to ten years. This is not true for all industries obviously but you can definitely see the impact on the public sector" [X Link](https://x.com/just_in_brown/status/1985731574478848091) 2025-11-04T15:31Z [---] followers, [---] engagements "Theres always this goofy balance between platforming someone and the marketplace of ideas. A reasonable person watches the interview and walks away with a worse view of Nick Fuentes after hearing his worldview firsthand. Sure maybe he struck a chord with a few but he turned away plenty more. The right is multifaceted and neither of those two represent the ideologically moderate views that make up most of the rights voter base. This is really only making waves online" [X Link](https://x.com/just_in_brown/status/1985741345965642189) 2025-11-04T16:10Z [---] followers, [--] engagements "@hodgetwins @elonmusk Sunlight" [X Link](https://x.com/just_in_brown/status/1985800597564760095) 2025-11-04T20:05Z [---] followers, [--] engagements "@realpeteyb123 The only hobbies kids can afford today are their phones and their politics. Theyve been priced out of the American dream and have no real stake in society. I hate it for them but we should have learned during the pandemic that something for nothing doesnt exist" [X Link](https://x.com/just_in_brown/status/1986231912235483562) 2025-11-06T00:39Z [---] followers, [--] engagements "There is a point where upward mobility just broke. I see it in my family my friends and my younger colleagues. Covid QE split the economy into a K shape. If you had assets beforehand ZIRP meant refinancing freeing up cash and investing. If you didnt it meant paying a premium for everything. The same model vehicles cost tens of thousands more. Houses in the same neighborhood cost hundreds of thousands more. The same life on paper became twice as expensive for people only five years apart" [X Link](https://x.com/just_in_brown/status/1986429679071359380) 2025-11-06T13:45Z [---] followers, [--] engagements "@TheLaurenChen Wall Street is not Main Street. New York City does not resemble the places where young conservatives and moderates live. NYC is blue. Yuppies move there bc its blue. Arguing over the shade of blue is pointless" [X Link](https://x.com/just_in_brown/status/1986439042968244479) 2025-11-06T14:22Z [---] followers, [---] engagements "@elonmusk Its the same with Mega corporations. When Walmart brought in self-checkout you either played cashier or drove two towns over to find a real cashier" [X Link](https://x.com/just_in_brown/status/1986851615299563785) 2025-11-07T17:41Z [---] followers, [--] engagements "Housing should be a utility not an investment. Limit how many single-family homes one person can own per zip or tweak taxes to favor primary owners over someone buying their 50th. Stop landlords from monopolizing middle America and no one would need [--] year mortgages or 3% rates" [X Link](https://x.com/just_in_brown/status/1987567385100902859) 2025-11-09T17:06Z [---] followers, [----] engagements "@DavidBCollum Give SFR housing as a utility a priority over housing as an investment" [X Link](https://x.com/just_in_brown/status/1987567854451892311) 2025-11-09T17:07Z [---] followers, [--] engagements "Terrible idea. Housing should be a utility not an investment. Limit how many single-family homes one person can own per zip or tweak taxes to favor primary owners over someone buying their 50th. Stop landlords from monopolizing middle America and no one needs a 50-year mortgage" [X Link](https://x.com/just_in_brown/status/1987568134111334752) 2025-11-09T17:09Z [---] followers, [----] engagements "Use the example of 300K at [--] percent [--] yr interest 280K [--] yr interest 517K Delta 238K lost to the lender That extra 238K leaves the local economy. Instead of increasing debt obligation for decades longer I think we should: [--]. Stop subsidizing local markets (e.g. Section [--] shouldnt cover $4k+ rent in San Francisco) [--]. Incentivize primary homeowners over investors [--]. Cap how many single-family homes one person can" [X Link](https://x.com/just_in_brown/status/1987653766108057706) 2025-11-09T22:49Z [---] followers, [--] engagements "Artificial demand drives prices up. Longer terms and higher prices just shove more money into interest draining the economy. People will push their budgets and predatory lenders will let them. The mistake is thinking buyers will pay the same price for the same home. They wont. Theyll max out their monthly budget the same way the 7-8 year car loans allowed the financing 100k luxury vehicles to become so popular. Someone with $1500 a month to spend is going to up their taste before they save their money" [X Link](https://x.com/just_in_brown/status/1987685662561051064) 2025-11-10T00:56Z [---] followers, [--] engagements "We just went through this with ZIRP. People dont give a fuck about the price. They care about the payment. its the same reason why as soon as 7-8 year auto loans came out the middle class all of a sudden started owning $80k SUVs. People will up their taste to fit their monthly payment (based on their actual income) before they save money. And once you factor in the artificial demand the actual $400k home you get in the alternate reality where [--] year mortgages exist is worth $300k right now" [X Link](https://x.com/just_in_brown/status/1987705032469364856) 2025-11-10T02:13Z [---] followers, [--] engagements "Transferring all the sub 5% mortgages would need massive capital to cover the gap between the loan balance and the sale price. Its basically just lowering rates again with more down payment required. It would only help the rich and do nothing for the young people who are stuck renting. Its just another way to create the same problem that inflated prices. It also forces sellers back into the market under the same terms" [X Link](https://x.com/just_in_brown/status/1987958740868268488) 2025-11-10T19:01Z [---] followers, [--] engagements "50year home loans will inflate prices just like sub3% rates did. On paper stretching the term lowers the payment but thats not how people shop. Buyers focus on what fits their budget not the total price. Someone with $2k a month to spend is now buying a $375k house instead of $300k house. The more people that opt to do the same the more inflated prices become. And that $300k house selling for $500k doesnt make you richer. When you sell you buy into the same inflated market. Its all paper gains. The real effect is that more of your actual monthly income goes to the mortgage" [X Link](https://x.com/just_in_brown/status/1987971171858764156) 2025-11-10T19:50Z [---] followers, [--] engagements "There is nothing pro-homeownership about it. Its no different than federalizing student loans which made tuition explode the 8year auto loans that normalized $80k SUVs or the sub3% rates postCovid that pushed the median home price up $100k. If 50year mortgages are rolled out to the general public theyll artificially inflate home prices through inorganically created demand. It MAYBE could be a reasonable tool if its limited to folks who already qualify for section [--]. In that case Id rather see home ownership subsidized over rent" [X Link](https://x.com/just_in_brown/status/1987973675258421648) 2025-11-10T20:00Z [---] followers, [---] engagements "Artificial demand. The same thing as lowering credit score requirements or Kamala wanting to hand out $25k for down payments. All of it pushes buyers into the market who wouldnt be there otherwise and that pressure inflates prices inorganically. What we actually need is for home prices to reset to a realistic multiple of income and wages. ANYTHING else is treating the symptoms instead of the problem" [X Link](https://x.com/just_in_brown/status/1988314448361079293) 2025-11-11T18:34Z [---] followers, [---] engagements "Its not about what happens in a vacuum. Its what happens to the macro environment once a policy like this is available. Anything that produces artificial demand is bad. Lowering credit scores zero interest rate policy Kamalas plan for $25k for down payments 50-year mortgages etc etc. If a kid could get a 50-year mortgage and nothing else changed maybe its not so bad. But once the 50-year mortgage rolls out a bidding war will begin and the $200k house will become $300k and they will be stuck overpaying for something that they generate little equity in and are responsible for fixing when it" [X Link](https://x.com/just_in_brown/status/1988322654256775566) 2025-11-11T19:07Z [---] followers, [---] engagements "Here I fixed it. Your [--] year mortgage can be refinanced (with a refinancing fee) to bring down the term. You can also sell your property (with little equity and pay taxes on it) after three or four years of living there and buy a new property (at a premium) with a [--] or [--] year mortgage (with an origination fee). A [--] year mortgage may be a great opportunity for young people to get into homeownership (without actually capturing the main benefit)" [X Link](https://x.com/just_in_brown/status/1988357344342757622) 2025-11-11T21:25Z [---] followers, [---] engagements "@pulte Get Wall St. out of Main St. Policy should prioritize primary ownership over investment. Just like out of state tuition residents should matter more than out of state investors" [X Link](https://x.com/just_in_brown/status/1988423349274636583) 2025-11-12T01:47Z [---] followers, [---] engagements "The only way to get Wall St. out of Main St. is to take it offline or build a policy environment that favors primary ownership over investment. Housing policy should prioritize people who live in the community not those profiting off it. Just like out of state tuition locals should come first. Rural counties are being overrun by remote slumlords BlackRock and Berkshire while Zillow and the rest of the MLS sites force small town buyers to compete with the entire country" [X Link](https://x.com/just_in_brown/status/1988428320883572893) 2025-11-12T02:07Z [---] followers, [--] engagements "If its rolled out to the general public it wont be some small percentage. Americans are not debt averse and if more people have the ability to spend they will. Look at the student loan crisis. When you make student debt easier to get tuition exploded. Same with 7-8 year car loans coinciding with soccer moms in $80k SUVs. There is no difference here. More people spending money means less supply higher prices higher taxes higher insurance" [X Link](https://x.com/just_in_brown/status/1988436753460432960) 2025-11-12T02:40Z [---] followers, [--] engagements "@Polymarket If its gonna happen anyways they should apply them to federal debts first. Pay down owed taxes & federal student loans and you get whatever is left" [X Link](https://x.com/just_in_brown/status/1988684549623366129) 2025-11-12T19:05Z [---] followers, [--] engagements "Its a closed loop. Foreign workers keep wages low. Fewer Americans get hired. Companies rely even more on cheap foreign labor. Wages stay low valuable degrees feel less worth it and fewer Americans study them. Americans get blamed for their lack of success. Then the cycle repeats" [X Link](https://x.com/just_in_brown/status/1989188201823490053) 2025-11-14T04:26Z [---] followers, [---] engagements "18.6 million unauthorized immigrants in the U.S. per FAIR unauthorized includes people who entered illegally and visa overstays. unauthorized does not include their U.S.-born family members or legal spouses. U.S.-born children of unauthorized immigrants [---] million Legally present family members in mixed households [--] million Total household footprint [----] million people. Not that they would all be deported but his number for affected people is not far off" [X Link](https://x.com/just_in_brown/status/1989397346694598889) 2025-11-14T18:17Z [---] followers, [--] engagements "@mattvanswol Diversity of thought is better than groupthink even if that means we dont act like a cult on every issue" [X Link](https://x.com/just_in_brown/status/1989818641899221347) 2025-11-15T22:11Z [---] followers, [---] engagements "Anyone under any circumstances who actually lives in their home shouldnt have to care one bit about what anyone else thinks about that choice. Institutions own hundreds of thousands of SFR but were gonna shit on maw maw and paw paw for staying in the house that they put roots down in Wtf are we doing" [X Link](https://x.com/just_in_brown/status/1989849157125668934) 2025-11-16T00:13Z [---] followers, [---] engagements "I think this is a great idea. College kids are over credentialed in bullshit drowning in piles of debt from degrees with no ROI. If the university had to take on financial risk maybe young vulnerable students wouldnt keep being treated like cash cows for degrees that basically only lead to a career teaching the same worthless degrees. https://twitter.com/i/web/status/1989889848488972427 https://twitter.com/i/web/status/1989889848488972427" [X Link](https://x.com/just_in_brown/status/1989889848488972427) 2025-11-16T02:54Z [---] followers, [--] engagements "@SuzyQNJ13 @arpitrage Its frozen to coincide with them being on fixed income. Which is the main source of income for over 40% of boomers" [X Link](https://x.com/just_in_brown/status/1989891144197505444) 2025-11-16T02:59Z [---] followers, [--] engagements "@VladTheInflator Realtors were the big winners of Covid. Lots of them havent been doing it long enough to even know what a level price looks like" [X Link](https://x.com/just_in_brown/status/1990068270506844183) 2025-11-16T14:43Z [---] followers, [---] engagements "@StandUpForTrmp Absolutely. You can only pledge allegiance to one flag" [X Link](https://x.com/just_in_brown/status/1990223153336102986) 2025-11-17T00:59Z [---] followers, [---] engagements "@BrianFeroldi Investing in REAL freindships. Hard to overstate how much money Ive saved hanging with great people for free 😂" [X Link](https://x.com/just_in_brown/status/1990260933151866883) 2025-11-17T03:29Z [---] followers, [--] engagements "@Beanie0597 It needs to be presented as a tool and not a crutch. The Pandoras box of tech and AI has already been opened. I just hope younger generations can embrace it in a way that doesnt create too much dependency" [X Link](https://x.com/just_in_brown/status/1990270121890459842) 2025-11-17T04:05Z [---] followers, [--] engagements "@unusual_whales We should lock in primary home property taxes when owners reach retirement age or move the tax burden to the sale itself. People on fixed incomes shouldnt be getting bent over for paper gains on the house they actually live in" [X Link](https://x.com/just_in_brown/status/1990518670754455566) 2025-11-17T20:33Z [---] followers, [---] engagements "Make property taxes based on the average value of the home during the years you lived in it. It keeps older folks from getting squeezed by a distorted market they did not create and it gives everyone a reason to stay put longer. MOST seniors arent the millionaire boogeymen people cry about. Many of them have been in their home there whole life and truly cant keep up with home valuations rising so fast" [X Link](https://x.com/just_in_brown/status/1990521535950434685) 2025-11-17T20:44Z [---] followers, [----] engagements "@Franklymrshankl @FixingEducation @grok Whats the percentage of the world that requires a masters degree to teach" [X Link](https://x.com/just_in_brown/status/1990788085161082909) 2025-11-18T14:24Z [---] followers, [--] engagements "@WallStreetMav Airbnb" [X Link](https://x.com/just_in_brown/status/1990912805805912502) 2025-11-18T22:39Z [---] followers, [--] engagements "@JackPosobiec If you got DoorDash money you got school lunch money. Them kids aint hungry theyre spoiled" [X Link](https://x.com/just_in_brown/status/1990916197001351437) 2025-11-18T22:53Z [---] followers, [--] engagements "Everyone wants to attack boomers but property taxes shouldnt have anything to do with age. It should be directly correlated to purchase price. Everyone would be on the hook for whatever they decided to sign up for and not have to worry about paper gains that came from a distorted market they didnt even participate in" [X Link](https://x.com/just_in_brown/status/1990983043973083389) 2025-11-19T03:18Z [---] followers, [----] engagements "Private property and individual choice are core tenets of American life. What someone decides to do with their home at [--] with [--] kids is fundamentally no different than what they decide to do with it at [--] with no kids. Old people have financial autonomy. Believe me you wont want to grow old in a country that doesnt believe that" [X Link](https://x.com/just_in_brown/status/1991165312310354336) 2025-11-19T15:22Z [---] followers, [--] engagements "Tieing property taxes to value over time makes people pay a premium on unrealized gains. It shouldnt be the burden of a long term member of the community to fork over money based on what some newcomer decides to overpay for a house down the street. I bought for what I could afford they bought what they could afford. When you tie it to value especially after a market distortion like we saw during Covid you are disproportionately eating into the budget of folks on a fixed income. I wouldnt abolish them (maybe Id abolish them on a primary) but I also dont think you can continually raise" [X Link](https://x.com/just_in_brown/status/1991174765776707759) 2025-11-19T16:00Z [---] followers, [--] engagements "I agree. The goal of every single policy should be to encourage family. Little kids really are the last spark of uncorrupted joy in the world. Bad policy encourages society to seek comfort and self-indulgence and prices them out of necessary sacrifice and raising children. Thats how we ended up with holiday get togethers that feel like co-worker retirement parties" [X Link](https://x.com/just_in_brown/status/1991178476817195037) 2025-11-19T16:15Z [---] followers, [--] engagements "@Lurk24k @jlarkytweets Crowders position was that we shouldnt shut down the economy. They did it anyway then offered business loans that eventually became grants once shit hit the fan. Im not sure how much hypocrisy there is in that" [X Link](https://x.com/just_in_brown/status/1991276243644248079) 2025-11-19T22:43Z [---] followers, [--] engagements "@Lurk24k @jlarkytweets Wasnt a handout. It was a loan. It only became a grant after the government realized how bad they fucked everyone over" [X Link](https://x.com/just_in_brown/status/1991340661384310891) 2025-11-20T02:59Z [---] followers, [--] engagements "@Lurk24k @jlarkytweets @grok if a business was was forced to shut down by government mandate and got a PPP loan is that a handout Like Steven Crowder for instance" [X Link](https://x.com/just_in_brown/status/1991353341335769479) 2025-11-20T03:50Z [---] followers, [--] engagements "The revenue stays the same yes. The individual share of who pays for that budget changes. Older homes were purchased for less and have historically carried a lower tax burden. Those same older homes were hit hardest because during COVID neighborhoods with larger homes bigger lots and fewer restrictions became highly desirable. This means they were disproportionately affected by reassessments of value resulting from the bidding wars during ZIRP. Im not misunderstanding anything. Again revenue-neutral is not neutral for individuals. Older residents in older neighborhoods ended up with a much" [X Link](https://x.com/just_in_brown/status/1991544209996644708) 2025-11-20T16:28Z [---] followers, [--] engagements "@texasrunnerDFW Broken Bow was great for a day and then it kinda just turned into how much beer can I drink in this eight hundred thousand dollar cabin hot tub before it becomes a problem" [X Link](https://x.com/just_in_brown/status/1991718427761991935) 2025-11-21T04:00Z [---] followers, [----] engagements "@educatedandfree @educatedandfree is this discourse just starting to get visibility It feels like this conversation is finally breaking into the open. UCSD piece broke the floodgate" [X Link](https://x.com/just_in_brown/status/1991888054534226089) 2025-11-21T15:14Z [---] followers, [---] engagements "@JoshPhillipsPhD My controversial take on student loans is you should have to pass a financial math course before being eligible. Most borrowers simply had no idea how to run the numbers and didnt understand what they were signing up for" [X Link](https://x.com/just_in_brown/status/1992119563492729223) 2025-11-22T06:34Z [---] followers, [---] engagements "It wont. Demand has to be tied to what people actually make not held up by investors whove swallowed so much of the housing market that they can spend indiscriminately everywhere else. You cant keep propping up the entire economy on a foundation of consumerism that has nothing to do with real wages. Rents need to fall investors need real vacancy risk and some of these overleveraged buyers need to be forced to sell. Even if 5% of that supply hits the market asset prices might finally deflate back to reality" [X Link](https://x.com/just_in_brown/status/1992397422710907172) 2025-11-23T00:58Z [---] followers, [--] engagements "His Survival line is really a Keeping up with the Joneses line. Survival doesnt come with the choice to overspend on basic needs. The article is catnip for white collar people drowning in consumer debt who desperately want someone to tell them their spending is noble and unavoidable" [X Link](https://x.com/just_in_brown/status/1993050334239813770) 2025-11-24T20:13Z [---] followers, [--] engagements "@PythiaR Good points but the math is forced. Its more like a keeping up with the Joneses line. $140k is enough to feel entitled to nicer things but not enough to actually have them all at the same time like his inputs suggest" [X Link](https://x.com/just_in_brown/status/1993156443227422729) 2025-11-25T03:15Z [---] followers, [---] engagements "Directionally correct but the math was forced. Basically the same as a writing a student loan forgiveness piece for delinquent borrowers to read. 78% of American households are below the $140k threshold so most of the engagement comes from those who see it as lifestyle validation. Broad brush" [X Link](https://x.com/just_in_brown/status/1993169519972364613) 2025-11-25T04:06Z [---] followers, [---] engagements "@KirkSpano @stevehou @profplum99 I think thats the point. Its directionally accurate but framed as survival and basic when it really should be like enjoying life and budgeting" [X Link](https://x.com/just_in_brown/status/1993330875019178484) 2025-11-25T14:48Z [---] followers, [--] engagements "The article was a great conversation starter but Essex County NJ just isnt a baseline. Its part of the NYC metro with a COL index around [---]. We all know the coasts are expensive. Right sizing to a true baseline brings the figure much closer to 100k which still supports your argument" [X Link](https://x.com/just_in_brown/status/1993439669007401071) 2025-11-25T22:00Z [---] followers, [----] engagements "@WesleyP65443 @profplum99 @stevehou Thats my point. That cohorts $130k against a $100k baseline is comfortable for most of the country. Comparing it to NYC Metro figures and theyre under water. NYC Metro households make 25% more than national average. https://www.bls.gov/regions/northeast/news-release/2024/consumerexpenditures_newyork_20241118.htmutm_source=chatgpt.com https://www.bls.gov/regions/northeast/news-release/2024/consumerexpenditures_newyork_20241118.htmutm_source=chatgpt.com" [X Link](https://x.com/just_in_brown/status/1993466517540028588) 2025-11-25T23:47Z [---] followers, [---] engagements "@sfmcguire79 UCs been test free for [--] years and all the no decline claims are based on students admitted before the change. The first fully test free cohort hasnt even graduated yet" [X Link](https://x.com/just_in_brown/status/1993481817551520247) 2025-11-26T00:47Z [---] followers, [---] engagements "Give first-time homebuyers capital priority and incentivize primary ownership over investment. If you bring housing down all these symptoms will level out. You cant expect a daycare worker to make minimum wage and also commute [--] minutes to do it. Affordable SFR housing getting monopolized by investors a few years ago is how we got here" [X Link](https://x.com/just_in_brown/status/1993489098489696688) 2025-11-26T01:16Z [---] followers, [----] engagements "@AndrewCharles70 @stevehou Im not advocating more lending. Im saying lending should favor first-time buyers and primary residences. Lower rates for first-time buyers and higher taxes on investment properties would make a big difference" [X Link](https://x.com/just_in_brown/status/1993522643627393196) 2025-11-26T03:30Z [---] followers, [--] engagements "@libsoftiktok You can never be diverse enough. Today its white women tomorrow straight women then able-bodied gay women. No matter what someone will always be left out. Thats the entire argument for merit" [X Link](https://x.com/just_in_brown/status/1993701151028756949) 2025-11-26T15:19Z [---] followers, [----] engagements "American culture as we know it took shape between [----] and [----]. In [----] approx 95% of Americans traced their roots to families here before WW2. Today its under 65% Like it or not the loss of that shared core is what drives most of our political and cultural strain. America is a country but for about [--] years we were unmistakably a nation. We are quickly ceasing to be one" [X Link](https://x.com/just_in_brown/status/1994820247895896246) 2025-11-29T17:26Z [---] followers, 13.5K engagements "Free college wont fix the ROI problem. Most degrees pursued today arent in STEM or other fields rigorous enough to pay off. For most majors colleges are just selling overpriced credentials. Free college treats the symptom (price) while ignoring the disease (the mismatch between what most students want to study and what the economy actually rewards.) Basically it just subsidizes the least marketable most often pursued degrees" [X Link](https://x.com/just_in_brown/status/1994945752766820529) 2025-11-30T01:45Z [---] followers, [--] engagements "Phones changed the developmental environment faster than schools could adapt. That doesnt mean everything else had zero effect. There is likely some effect from migration pressures in certain countries curriculum experiments and from the pandemic disruptions. But none of those line up globally the way phones do. The other piece is the cultural shift in childhood. Kids have less independence less free play more helicoptering (big one) more anxiety and more adult micromanagement. That erodes critical thinking and study habit forming. When you add that to the constant attention drain from phones" [X Link](https://x.com/just_in_brown/status/1995136158796308793) 2025-11-30T14:21Z [---] followers, [---] engagements "Free college wont fix the ROI problem. Most degrees pursued today arent in STEM or other fields rigorous enough to pay off. For most majors colleges are just selling overpriced credentials. Free tuition treats the symptom (price) while ignoring the disease (mismatch between what most students study and what the economy actually rewards). It would basically just be subsidizing the least marketable most often pursued degrees" [X Link](https://x.com/just_in_brown/status/1995140935429030380) 2025-11-30T14:40Z [---] followers, [--] engagements "@dannykanell Why even play a regular season Why not a [---] team playoff The best solution is to stop pretending the top [--] teams are even playing the same sport as the rest" [X Link](https://x.com/just_in_brown/status/1995149236053377289) 2025-11-30T15:13Z [---] followers, [----] engagements "@MeachamDr Now do entrepreneurs. Thinkers lean left Doers lean right. Youre conflating education with success & intelligence. Its not" [X Link](https://x.com/just_in_brown/status/1995165338472960273) 2025-11-30T16:17Z [---] followers, [----] engagements "There isnt a more glaring example of the transfer portal/NIL era of college football than the Lane Kiffin situation. [--] seasons as a head coach a real shot at his first natty as HC and he bailed. If college football were really about football hed finish the season in Oxford. But its not. Its about money. There has to be calendar changes to keep from the sport seeing this happen every year" [X Link](https://x.com/anyuser/status/1995260454059335780) 2025-11-30T22:35Z [---] followers, [---] engagements "The biggest problem is pretending the top tier teams and everyone else are even playing the same sport. They arent. Make a Superleague with the [--] programs that are already run like pros and give them a four team BCS playoff. Then put the other 100+ teams in a National League with an [--] team playoff and autobids. The regional benefits would be huge for the sport and people would still watch it" [X Link](https://x.com/just_in_brown/status/1995526345208537409) 2025-12-01T16:12Z [---] followers, [---] engagements "@DallasAptGP Almost 40% of Texas homes are renter-occupied. Limiting full homestead exemptions to primary owners cuts the $81B deficit to about $49B. I think this is a much more sustainable option" [X Link](https://x.com/just_in_brown/status/1995554322718097701) 2025-12-01T18:03Z [---] followers, 11.6K engagements "@DallasAptGP The market shifts to prioritize primary ownership over renting. It creates a less profitable environment for SFR investors and reduces direct competition for affordable homes for young people. And even if that wasnt the case a $40B hole is not a $80B hole" [X Link](https://x.com/just_in_brown/status/1995605111150964863) 2025-12-01T21:25Z [---] followers, [---] engagements "@NeptuneACX1000 @greg_price11 They already do. Theres only been [--] individuals champions in the last [--] years. Those teams are who people are referring to when they say college football" [X Link](https://x.com/just_in_brown/status/1995607366235291685) 2025-12-01T21:34Z [---] followers, [--] engagements "@NeptuneACX1000 @greg_price11 All [--] of those teams have annual revenues north of $100M. Those are all teams that would be considered the elite Superleague level teams I was talking about" [X Link](https://x.com/just_in_brown/status/1995719294252933483) 2025-12-02T04:58Z [---] followers, [--] engagements "@kareem_carr Neither of which would exist in the real world. And when 40% of a class gets special treatment that cohort ends up in the workforce expecting the same" [X Link](https://x.com/just_in_brown/status/1996301646628897202) 2025-12-03T19:32Z [---] followers, [---] engagements "@marcportermagee Were at this strange stage in humanity where the internet turns something as ordinary as being late into shit like time blindness & people latch onto the terms and wear them like victimhood badges" [X Link](https://x.com/just_in_brown/status/1996326999216763008) 2025-12-03T21:13Z [---] followers, [----] engagements "@GordonJohnson19 For your personal contribution assuming a 10%/yr return these kids will have $0 when they turn 18yrs old $0 * (1 + .10)18 = $0. Is this really something to boast about What are the you getting in return" [X Link](https://x.com/just_in_brown/status/1996342981050421261) 2025-12-03T22:17Z [---] followers, [--] engagements "@crusadepepe Corporate* leadership class. Small towns are absolutely still being led by community members who are business owners in the trades" [X Link](https://x.com/just_in_brown/status/1996656562488963397) 2025-12-04T19:03Z [---] followers, [---] engagements "Finlands population is basically South Carolina. Theyre sprawling sparsely populated and ethnically homogeneous. There are plenty of things they can pull off that simply arent feasible in the US. Pretending a country 60x larger can copy paste their policies and get the same results is either ignorance or dishonesty" [X Link](https://x.com/just_in_brown/status/1998053508797411588) 2025-12-08T15:34Z [---] followers, [---] engagements "@GrahamStephan Investors own about 20% of single-family homes and 90% of those are small landlords. Its easier to rage against BlackRock but mom-and-pop landlords are far more responsible for the lack of starter homes on the market. Rural America has been monopolized by remote investors" [X Link](https://x.com/just_in_brown/status/1998099887553151241) 2025-12-08T18:38Z [---] followers, [---] engagements "Well-supported just means reliable repeatable and practically useful which it objectively is. You dont need perfect prediction. If an IQ test reliably predicts outcomes for the middle 80% thats enough for practical use in the real world. The extremes of any data set will always be more variable. But they dont disprove the rule" [X Link](https://x.com/just_in_brown/status/1998116084570820870) 2025-12-08T19:42Z [---] followers, [---] engagements "Only 8% of boomers are part of the old millionaire boogeyman you want to kill. Your policy position is basic run of the mill communism plus an age component. Take from rich OLD people to give to YOUNG poor. Its only politically energizing because youre blasting it on a site where the median age is [--]. These old millionaires paid in when they were young workers. Its their turn one day itll be ours. People shouldnt be punished for succeeding under the rules they inherited" [X Link](https://x.com/just_in_brown/status/1998409089345368129) 2025-12-09T15:07Z [---] followers, [----] engagements "@skdh When I found out as the oldest of [--] it was explained to me that I now could be trusted to preserve the magic for my siblings. It just like moving up from the kids table at thanksgiving. I plan to pass that same lesson to my eldest" [X Link](https://x.com/just_in_brown/status/1998493487222894949) 2025-12-09T20:42Z [---] followers, [--] engagements "@ClayTravis Tulane and JMU played by the rules the NCAA set. They didnt luck into anything. They qualified in the purest competitive sense. They absolutely EARNED their spots even if you disagree with the CFP selection criteria" [X Link](https://x.com/just_in_brown/status/1998546466965697007) 2025-12-10T00:13Z [---] followers, [--] engagements "Experts are not neutral saints. Acting like they are neutral guardians of the republic means you had your eyes closed during the two years of COVID lockdowns we just lived through. They were not. The doctors economists and PhDs she is defending were loyal to an ideology and to the last administrations priorities. The only real difference is which president or worldview their loyalty served" [X Link](https://x.com/just_in_brown/status/1999112111205544233) 2025-12-11T13:40Z [---] followers, [--] engagements "@NBCNews Theres no way to screen criminal intent in an otherwise law-abiding person. Itd be better to just place limits on how many people can be in the country on visas or visa waiver programs at a time to limit risk that way" [X Link](https://x.com/just_in_brown/status/1999143819942490610) 2025-12-11T15:46Z [---] followers, [---] engagements "@dieworkwear We need separate terms for immigrants on either end of the societal bell curve so disingenuous bullshit like this post can finally die off" [X Link](https://x.com/just_in_brown/status/1999218455245906307) 2025-12-11T20:43Z [---] followers, [--] engagements "Its not the gunshot wound vs the broken toe as much as the decompressive craniectomy vs decompressive craniectomy or double bypass vs double bypass. Countless other examples. Much of healthcare has time sensitive demand. Heres the triage my friend who had a stroke in March went throughwait until the surgeon finishes with the current patient and hope you dont die in the meantime" [X Link](https://x.com/just_in_brown/status/1999506261784613264) 2025-12-12T15:46Z [---] followers, [--] engagements "They are a burden. Illegals are one of the main forces displacing young people from homeownership. That $299B in spending power is artificial demand that shouldnt exist and is direct completion with kids in their 20s. American life has a normal trajectory and flooding a generation with people competing for the same things is wrong. Imagine buying a pizza for [--] friends and then someone uninvited takes a slice. Someone goes hungrythat someone is young people. https://twitter.com/i/web/status/1999521003920142605 https://twitter.com/i/web/status/1999521003920142605" [X Link](https://x.com/just_in_brown/status/1999521003920142605) 2025-12-12T16:45Z [---] followers, [--] engagements "@uncledoomer That article cherry picked strawman examples and condescendingly explained the argument from the outside. It was composed like a zookeeper writing about the monkeys. NYT knew what they were putting out there" [X Link](https://x.com/just_in_brown/status/2000941432027459963) 2025-12-16T14:49Z [---] followers, [---] engagements "@TheMattViera Parents really arent impressed by endless self-indulgence. We also travel eat fancy meals and meet cool people. We still FaceTime our kids before bed because they matter more than any of that" [X Link](https://x.com/just_in_brown/status/2000969034951700795) 2025-12-16T16:39Z [---] followers, [---] engagements "@JoeCassandra Posts about parents missing out on all this 24/7 self-indulgent bullshit remind me of this. We travel eat at fancy places and meet cool people too. We just FaceTime our kids afterward because they matter more than all of that" [X Link](https://x.com/just_in_brown/status/2001130107943973093) 2025-12-17T03:19Z [---] followers, 20.1K engagements "Hes not talking about million dollar homes. But even if he was supply and demand would get you there eventually. If the cheap house you want is gone you grab the next cheapest stretching your budget. When lots of people do that houses at that price start to sell out too. Then other people move to the next one and the cycle keeps going" [X Link](https://x.com/just_in_brown/status/2001139508331315238) 2025-12-17T03:56Z [---] followers, [---] engagements "@AaronBlake He basically invented his own brand of identity politics when he mocked middle America for letting their kids play football and dance instead of debate club or science fairs. He lost a lot of his Main Street supporters with his intellectual pompousness" [X Link](https://x.com/just_in_brown/status/2001355857758740936) 2025-12-17T18:16Z [---] followers, [----] engagements "Private equity owns 10% of the roughly 20M SFR rentals in the country. They are an issue but not the main issue. The other 90% is small time landlords who ABSOLUTELY rent to illegals. The increased demand raises local section [--] payment and is further incentive to scale. Illegals directly and indirectly (through renting from investors) displace young people buying entry level homes" [X Link](https://x.com/just_in_brown/status/2001379241137443275) 2025-12-17T19:49Z [---] followers, [--] engagements "@mattyglesias It is a way to the old white men on top keep their jobs while sacrificing the young ones at the bottom because to the identity politics crowd theyre all just white men. Millennial white dudes were sacrificed to atone for the sins of the executive class" [X Link](https://x.com/just_in_brown/status/2001406685101830634) 2025-12-17T21:38Z [---] followers, [----] engagements "Millennial white dudes were sacrificed to atone for the sins of the executive class. The old white men on top got to keep their jobs while the young ones at the bottom had their career and life trajectory obliterated because to the identity politics crowd theyre all just white men" [X Link](https://x.com/just_in_brown/status/2001439724620103749) 2025-12-17T23:49Z [---] followers, [--] engagements "@scastro87 @RichardHanania No. I think populations should scale linearly without a nearly 10% influx from abroad that disproportionately affects young people who dont yet have stake in society. Americans are having fewer kids right now because of the affordability crisis" [X Link](https://x.com/just_in_brown/status/2001671887991017741) 2025-12-18T15:12Z [---] followers, [--] engagements "@JDVance Millennial white dudes were sacrificed to atone for the sins of America having a mostly old & white executive class" [X Link](https://x.com/just_in_brown/status/2001678396536045916) 2025-12-18T15:38Z [---] followers, [--] engagements "@SovEconomy @RichardHanania You could make the same chart for any group where [--] % are highly educated as long as you compare it to a mixed background baseline. This is just a statistical consequence of picking a highly educated subgroup" [X Link](https://x.com/just_in_brown/status/2001866436076277964) 2025-12-19T04:05Z [---] followers, [---] engagements "@RichardHanania You could make the same chart for any group where [--] % are highly educated as long as you compare it to a mixed background baseline. This is just a statistical consequence of picking a highly educated subgroup" [X Link](https://x.com/just_in_brown/status/2001866555886571792) 2025-12-19T04:05Z [---] followers, [----] engagements "Americans have issues with Indian immigration because they gamified the H-1B program and account for 70% of skilled labor imports. Most of which is in a small number of industries. No one gave a shit about WHO Indian immigrants were until they made us notice but HOW MANY there are in certain fields. The support for reform isnt about Indians themselves. its because people are frustrated with the sheer volume of H-1B workers in concentrated fields. Indians exploiting the system just made Indian synonymous with H-1B" [X Link](https://x.com/just_in_brown/status/2002075495555641447) 2025-12-19T17:56Z [---] followers, [---] engagements "@SeanMcwill57664 @AntiCommieBecca @JoelWBerry Very glad that I said Sweden then" [X Link](https://x.com/just_in_brown/status/2002111734493138994) 2025-12-19T20:20Z [---] followers, [--] engagements "@Budgetdog_ No risk tolerance. Hard to think about anything other than survival when youre broke" [X Link](https://x.com/just_in_brown/status/2003311894141239654) 2025-12-23T03:49Z [---] followers, [--] engagements "There will be a reckoning in the housing market. its completely inevitable. Housing values have to align with income and wages to be supported long term. If there is anything that makes vacancies rise investors will pull back and the market will correct. Right now low interest rates mask the risk but it cant go on forever" [X Link](https://x.com/just_in_brown/status/2004606683675590693) 2025-12-26T17:34Z [---] followers, [--] engagements "In the late 70s and [----] San Diego was solidly Republican both locally and nationally. Everyday American families lived there. People are mourning the fact that lots of great American cities will never claw their way out of the over priced crowded liberal globalist hellscapes theyve become" [X Link](https://x.com/just_in_brown/status/2005077306805530811) 2025-12-28T00:44Z [---] followers, [--] engagements "@jonbrooks The internet allowed for exponential scaling and visibility. Home prices exploded once online MLS listings became heavily adopted and homes were no longer being sold as primary residences to community members first" [X Link](https://x.com/just_in_brown/status/2005121278169264515) 2025-12-28T03:39Z [---] followers, [---] engagements "@AnnaGorisch Either way the jobs not going to Americans. Thats fine keep them there. Thats [-----] fewer people competing for the same houses daycare spots and everything else that young Americans are being priced out of" [X Link](https://x.com/just_in_brown/status/2005128667496849573) 2025-12-28T04:08Z [---] followers, [----] engagements "@Etanarachel Both sides feel the same stress. Liberals turn it into a diagnosed condition and wield it as a shield against personal criticism. Conservatives keep it to themselves. Mental health language is code for excuse that much of society has to legally acknowledge" [X Link](https://x.com/just_in_brown/status/2005298929517359523) 2025-12-28T15:24Z [---] followers, [---] engagements "The research that led to the vlogging already proved these businesses were illegitimate. This was not day one and they were not knocking on doors at random. How deeply buried in your partys bullshit do you have to be to whatabout your way around this level of red handed evidence of fraud https://twitter.com/i/web/status/2005417778040459268 https://twitter.com/i/web/status/2005417778040459268" [X Link](https://x.com/just_in_brown/status/2005417778040459268) 2025-12-28T23:17Z [---] followers, [--] engagements "California banned racial preferences so schools changed the rules. Grade inflation and dropping tests removed the only real way to compare students. GPA now mostly shows how easy your school grades not how strong you are and theres no test to prove it. That leaves holistic review where racial outcomes get engineered. UCSD reports 1/8 of incoming students now need remedial math up from 1/200 before tests were dropped in [----]. https://twitter.com/i/web/status/2005452692638835102 https://twitter.com/i/web/status/2005452692638835102" [X Link](https://x.com/just_in_brown/status/2005452692638835102) 2025-12-29T01:35Z [---] followers, [---] engagements "The right tries to fix the disease not just mask the symptoms. The disease isnt immigration its TOO MUCH immigration TOO FAST. if youre trying to let our housing market job market schools and hospital systems breath Deportations are a real solution. Promising legal status eventually or keeping incentives for illegal entry high by refusing to prosecute people who break into the country is not. https://twitter.com/i/web/status/2005658720454259159 https://twitter.com/i/web/status/2005658720454259159" [X Link](https://x.com/just_in_brown/status/2005658720454259159) 2025-12-29T15:14Z [---] followers, [--] engagements "If it takes less than a day to demonstrate that these places are still operating openly under illegitimate premises to funnel taxpayer dollars then the prosecutors are sitting on their hands and the public outrage is justified. The kitchens been on fire since [----] and saying we have [--] extinguishers nearby is not as effective as admitting the kitchen is still on fire today and calling [---]. https://twitter.com/i/web/status/2005668748632498244 https://twitter.com/i/web/status/2005668748632498244" [X Link](https://x.com/just_in_brown/status/2005668748632498244) 2025-12-29T15:54Z [---] followers, [--] engagements "Mass migration is not immigration. Volume and intensity matter. This isnt about racism and it wouldnt even be an issue if the numbers were tiny like in past generations. Too much of any culture from outside our borders is destabilizing. Every trait you of the group that the left fixates on is incidental. https://twitter.com/i/web/status/2005680192610582721 https://twitter.com/i/web/status/2005680192610582721" [X Link](https://x.com/just_in_brown/status/2005680192610582721) 2025-12-29T16:39Z [---] followers, [--] engagements "All the shit youre hung up on is incidental. And all of the pushback Indians are catching is specifically due to exploitation of H-1B that created a volume surge. 70% of H-1B. 7% of green cards just like every one else. Which one do you think led to the pushback Its the volume. Americans are used to every shade of person and every accent under the sun. Thats not new. What we arent used to is ethnically segregated bubbles popping up next door in Middle America. The concept of Chinatownis an urban thing. Middle America is used to a trickle not a flood." [X Link](https://x.com/just_in_brown/status/2005713383249662072) 2025-12-29T18:51Z [---] followers, [--] engagements "@texasrunnerDFW Soft landing is how we got here. Everyone who invested in real estate during ZIRP has made money hand over fist and without an actual recession they will continue to. The strain wont go away until pain is felt up the ladder" [X Link](https://x.com/just_in_brown/status/2005730829557981227) 2025-12-29T20:01Z [---] followers, [--] engagements "Its subsidized because it if were not food would be a geopolitical vulnerability. The actual beneficiaries are everyone who expects a grocery store to work during a drought a flood a war or a recession. Its not we subsidize farmers. Its we pay to not be dependent. Food is leverage if you cant make your own at scale. https://twitter.com/i/web/status/2006006955257586044 https://twitter.com/i/web/status/2006006955257586044" [X Link](https://x.com/just_in_brown/status/2006006955257586044) 2025-12-30T14:18Z [---] followers, [---] engagements "Food production has real world constraints. Some years you get massive surplus then a flood hits then a drought the next year. We intentionally run at max production as a hedge against that risk even knowing sometimes itll be wasted because the alternative is shortages price shocks and foreign dependence. Lots of surplus gets donated. https://twitter.com/i/web/status/2006009463073878042 https://twitter.com/i/web/status/2006009463073878042" [X Link](https://x.com/just_in_brown/status/2006009463073878042) 2025-12-30T14:28Z [---] followers, [--] engagements "@TheOmniLiberal Its called a fucking DAYcare for a reason. Anyone on X who actually has kids knows the hours and the consequences of being late. Its perfectly OK to not have a shit opinion on every little thing you have no idea about" [X Link](https://x.com/just_in_brown/status/2006106750055747835) 2025-12-30T20:54Z [---] followers, [--] engagements "The consequences of weather causing starvation or a farm shutting down despite doing everything right are unique to farming. When your business and the countrys food supply depends on rain youre in a completely different risk category than people building things we dont need to survive" [X Link](https://x.com/just_in_brown/status/2006136136192663573) 2025-12-30T22:51Z [---] followers, [--] engagements "Theyre not complaining that America isnt influential. Theyre complaining about cohesion. Exporting blue jeans and Coca Cola is corporate dominance. Importing millions of people who publicly signal allegiance to somewhere else by waving foreign flags in American streets is cultural disease" [X Link](https://x.com/just_in_brown/status/2006369515748114513) 2025-12-31T14:19Z [---] followers, [----] engagements "@dangainor @ArmandDoma The Internet age of politics doesnt allow one side to take the high road. You cede too much ideological ground too quickly if theres no debate from fear of social punishment. Idk if Mitt Romney types will survive going forward" [X Link](https://x.com/just_in_brown/status/2006787368297414773) 2026-01-01T17:59Z [---] followers, [--] engagements "That 50% is paper gains in my market. Everyone thinks they know what their home is worth but transaction volume is so low theyre either pulling the listing or dropping $50k before they move. Buyers have great leverage right now but not if you have to sell and are counting on that likely inflated equity as downpayment. https://twitter.com/i/web/status/2006865845033521628 https://twitter.com/i/web/status/2006865845033521628" [X Link](https://x.com/just_in_brown/status/2006865845033521628) 2026-01-01T23:11Z [---] followers, [---] engagements "All is shorthand for the most fragile few percent of the institution that changes things from good to catastrophic. Most systems run close to capacity as a rule. 95% employment is an A 90% is an F. Single-digit shifts in unemployment housing or welfare feel catastrophic because that small delta is all the reserve society has to keep running. The idea of all absolutely computes when you realize its all the tolerance the system allows https://twitter.com/i/web/status/2007230446502064210 https://twitter.com/i/web/status/2007230446502064210" [X Link](https://x.com/just_in_brown/status/2007230446502064210) 2026-01-02T23:20Z [---] followers, [---] engagements "Property taxes rise with appreciation. Maintenance insurance and repairs are the overhead and risk of the asset class. Landlords are a net good. But when money got cheap the affordable home market was bought up by people without the risk tolerance to own property. With no cheap homes left young Americans became renters by default and are now exploited. It is absolutely true that rents should not go up without upgrades to the property. The reason the market rent doesnt act that way is because in lots of places theres nowhere else for people to go." [X Link](https://x.com/just_in_brown/status/2007501135704191228) 2026-01-03T17:15Z [---] followers, [--] engagements "Less a moral failure and more textbook irritability from depression burnout or anxiety. A nervous system thats already overstimulated doesnt tolerate a [--] year-old super-stimulus well. Hard physical training at the gym and dialing back caffeine would probably change this more than any amount of self-interrogation. https://twitter.com/i/web/status/2007829145036739069 https://twitter.com/i/web/status/2007829145036739069" [X Link](https://x.com/just_in_brown/status/2007829145036739069) 2026-01-04T14:59Z [---] followers, [---] engagements "@xwanyex Yes we do. Master plans basically exist as a template for the path of least resistance for getting permission to build specific things" [X Link](https://x.com/just_in_brown/status/2008245742893494632) 2026-01-05T18:34Z [---] followers, [---] engagements "@MadelaineLucyH Low conflict holds up more relationships than high alignment. Its a big reason why parenthood complicates things and lots of people jump ship with young ones still in the home" [X Link](https://x.com/just_in_brown/status/2008247849738518676) 2026-01-05T18:42Z [---] followers, [---] engagements "@jgmahoney @mattyglesias Conservatism sides with the many over the one when the one is imposing externalities. This isnt some farmer fencing his land or neighbor adding a porch. Its a commercial scale building that rewrites the neighborhood contract after the fact" [X Link](https://x.com/just_in_brown/status/2008272067930845633) 2026-01-05T20:19Z [---] followers, [--] engagements "@GrammarTsar @bennetthaselton @MadelaineLucyH Female students outperform on average but cluster to the mean. Boys have much more variability and are most often the highest AND lowest performers" [X Link](https://x.com/just_in_brown/status/2008539355837800586) 2026-01-06T14:01Z [---] followers, [--] engagements "@JamesBlairUSA @pulte Fed interest rates respond to the economy not politicians and work with a lag. Those same record low interest rates caused by Covid are the reason young Americans are priced out of the housing market right now. This is tone deaf" [X Link](https://x.com/just_in_brown/status/2008553252837879837) 2026-01-06T14:56Z [---] followers, [--] engagements "@TugoNews Sounds like you support the DEA being turbocharged the same as ICE" [X Link](https://x.com/just_in_brown/status/2008588427810480355) 2026-01-06T17:16Z [---] followers, [--] engagements "@jonbrooks Yes. Mostly an easy scapegoat. Institutions account for less than 15% of investor-owned properties but their holdings are heavily concentrated in certain major metros. For people in those areas this will move the needle quite a bit" [X Link](https://x.com/just_in_brown/status/2008997836529254708) 2026-01-07T20:23Z [---] followers, [---] engagements "I was waiting to see how the left would spin this as negative. You cant morally posture about BlackRock owning homes and be taken seriously about how you care about affordability in any other part of the economy. The sorting criteria of your position is basically: did the right do it If so Its bad" [X Link](https://x.com/just_in_brown/status/2009013443630702631) 2026-01-07T21:25Z [---] followers, [---] engagements "Were in an affordability crisis. Main Street doesnt give a shit about paper gains on institutional rental portfolios. People want to own homes not rent forever. And with fewer people forced into renting its hard to argue rents will somehow keep rising. The housing stock doesnt disappear. The payments dont disappear. What changes is who gets the equity versus who extracts profit. https://twitter.com/i/web/status/2009251244964008027 https://twitter.com/i/web/status/2009251244964008027" [X Link](https://x.com/just_in_brown/status/2009251244964008027) 2026-01-08T13:10Z [---] followers, [--] engagements "@TheUltimator5 @PeterSchiff 30% of SFRs are rentals. Huge spike post-covid due to ZIRP. But banning institutional investors will give people more chance to buy and be less forced into renting. Less renters less rent" [X Link](https://x.com/just_in_brown/status/2009253816688951495) 2026-01-08T13:20Z [---] followers, [--] engagements "The housing shortage isnt a general shortage. Its a shortage of entry and mid level homes. Institutional investors buy single family homes *and set price comps based on rental arbitrage locking out young people and forcing them to rent.* Institutions are a concentrated demand pressure acting on the most constrained buyers. If youre an existing homeowner you have benefited from them inflating the market. If youre not already a homeowner theyre your direct competitor for affordable homes. https://twitter.com/i/web/status/2009292706988671341 https://twitter.com/i/web/status/2009292706988671341" [X Link](https://x.com/just_in_brown/status/2009292706988671341) 2026-01-08T15:54Z [---] followers, [--] engagements "I think it depends on the region. In some high-growth areas its a major problem at entry- and mid-level price points where the cash-flow math works out. Comps are being set by rent-backed leverage which then directly drives up taxes and insurance rates. Most people just need the right price and theyll figure out the rest. https://twitter.com/i/web/status/2009365939901407398 https://twitter.com/i/web/status/2009365939901407398" [X Link](https://x.com/just_in_brown/status/2009365939901407398) 2026-01-08T20:45Z [---] followers, [--] engagements "It wouldnt have to cost much more and the down payment wouldnt be unaffordable if the market werent distorted by outside demand pressures unrelated to local incomes. I think there are many other contributing factors to the distortion but values propped up by rent-backed leverage isnt helping. https://twitter.com/i/web/status/2009382588645831121 https://twitter.com/i/web/status/2009382588645831121" [X Link](https://x.com/just_in_brown/status/2009382588645831121) 2026-01-08T21:51Z [---] followers, [--] engagements "No objective person would back me up on the fact that outside demand pressures are inflating home prices and decoupling them from local incomes I think theres a myriad of things we can do to bring prices down. I dont think you have to dismiss a step in the right direction because it doesnt solve the entire problem. Food pantries are worthwhile even if they dont solve world hunger. https://twitter.com/i/web/status/2009394720422641669 https://twitter.com/i/web/status/2009394720422641669" [X Link](https://x.com/just_in_brown/status/2009394720422641669) 2026-01-08T22:40Z [---] followers, [--] engagements "@samsonite771 @NaoBoboTJ @elerianm You cant build your way out if as soon as homes are finished investors snatch them up bc money is cheap. This just turns cash flows models back to black and pours gasoline on the demand fire" [X Link](https://x.com/just_in_brown/status/2009408943232033252) 2026-01-08T23:36Z [---] followers, [--] engagements "This is such bullshit. Mortgages wouldnt have to be this large without artificial demand pressure. Cheap houses would stay cheap if they werent scooped up based on cash flow math. The natural progression is starter homes first building enough equity to move up when your family grows. That never happens when investors take the bottom rung. Investors wouldnt be a problem if they were competing with people who had options. Instead they compete with the weakest buyers trap them as renters and claim its good for them. https://twitter.com/i/web/status/2009684013800370366" [X Link](https://x.com/just_in_brown/status/2009684013800370366) 2026-01-09T17:49Z [---] followers, [--] engagements "@DiMartinoBooth @m3_melody The top cant move the bottom is being rented out and mid-tier owners are stuck with no exit liquidity. Its not a roofs issue its an owner composition and price issue" [X Link](https://x.com/just_in_brown/status/2009749775705350384) 2026-01-09T22:11Z [---] followers, [--] engagements "Starter homes arent meant to be forever homes. We have enough entry-level homes but not enough people can afford to use them as a stepping stone. Thats partly price inflation partly the fact that many starter homes are rentals (so residents cant capture equity) and partly because top and mid-tier homeowners are locked in with low rates and wont sell. The housing crisis is a handful of affordability problems that all work together. https://twitter.com/i/web/status/2009751693664153690 https://twitter.com/i/web/status/2009751693664153690" [X Link](https://x.com/just_in_brown/status/2009751693664153690) 2026-01-09T22:18Z [---] followers, [---] engagements "@heresyfinancial Not having a credit card doesnt stop predatory interest. Youll just end up financing things like car repairs or a new fridge anyway. It might slow down discretionary spending but it doesnt protect you from high interest" [X Link](https://x.com/just_in_brown/status/2010090492118347962) 2026-01-10T20:44Z [---] followers, [---] engagements "This is just like the student loan pause. Existing debt will be cheaper for a while. Some people will use that breathing room to pay the debt down. Others will use it as an excuse to take on more. The policy doesnt decide the outcome. Peoples choices do. The most kind thing we can do is say no to the folks who very obviously cant afford it instead of just making the terms life ruining when they inevitably default. https://twitter.com/i/web/status/2010105740774780996 https://twitter.com/i/web/status/2010105740774780996" [X Link](https://x.com/just_in_brown/status/2010105740774780996) 2026-01-10T21:45Z [---] followers, [--] engagements "The mechanics dont matter and its far from obvious that credit cards benefit everyone. The tech and protections arent whats being debated. No one is against secured cards with a limit that is collateralized. The problem is giving risky individuals a card they cant manage trapping them in debt they cant dig out of. https://twitter.com/i/web/status/2010501267097858150 https://twitter.com/i/web/status/2010501267097858150" [X Link](https://x.com/just_in_brown/status/2010501267097858150) 2026-01-11T23:57Z [---] followers, [---] engagements "@federalreserve The economy has a broken leg and trumps mad at Powell for not prescribing more pain meds. Balance takes time. Enough of the nonstop crisis governance" [X Link](https://x.com/just_in_brown/status/2010552516333945054) 2026-01-12T03:20Z [---] followers, [--] engagements "I think most of the 10% credit card cap debate collapses if applications just included a financial literacy class and/or test. No more arguing about whether people knew better. No more justifying bad outcomes after the fact. No more pretending to know more about price controls or predatory lending mechanics. Either you learned the risks and still opted in or you didnt and dont get leveraged products until you do. The CC companies get to keep their heinous business model and the public gets to make informed decisions. Win-win. https://twitter.com/i/web/status/2010800794971619799" [X Link](https://x.com/anyuser/status/2010800794971619799) 2026-01-12T19:47Z [---] followers, [---] engagements "@DiMartinoBooth No one cares about Fed independence. People care about how often they jerk the wheel of the economy and force a lagging tool like interest rates to constantly disrupt lives. The nonstop crisis governance has to stop" [X Link](https://x.com/just_in_brown/status/2010804855263330582) 2026-01-12T20:03Z [---] followers, [--] engagements "@texasrunnerDFW Runaway paper gains eventually get baked into reassessments used for property taxes and policy requirements. The tax (and insurance) man cometh" [X Link](https://x.com/just_in_brown/status/2010841669944459511) 2026-01-12T22:29Z [---] followers, [--] engagements "@mattyglesias Covid exposed how dependent and fragile our supply chains were and the country reacted. Less about Biden and more about Post-Covid recovery being given a green light at scale" [X Link](https://x.com/just_in_brown/status/2010921250999451691) 2026-01-13T03:46Z [---] followers, [---] engagements "@BlanchardPhD When the outcomes are identical intent doesnt negate responsibility. Second degree murder is still murder" [X Link](https://x.com/just_in_brown/status/2011073625542287782) 2026-01-13T13:51Z [---] followers, [--] engagements "@StealthQE4 Instagram culture proves young folks are still eating out theyre just not going for the food as much as the picture and vibe. Steakhouses and piano bars have lots of competition nowadays from trendy patio bars and global cuisine spots" [X Link](https://x.com/just_in_brown/status/2011161689614582200) 2026-01-13T19:41Z [---] followers, [----] engagements "@DanielParker_13 @mattyglesias If they didnt participate in the market they didnt benefit from it. They never helped entrench the inflated value. They just lived their lives. If and when they sell tax the gains. Until then stop blaming them for the decisions of others to over pay down the street" [X Link](https://x.com/just_in_brown/status/2011183590198165577) 2026-01-13T21:08Z [---] followers, [--] engagements "I dont think efficiency should factor into land use at all. Farmland might be more economically efficient as a casino resort but its also efficient at feeding people. The same argument applies to any private propertya private home versus an Airbnb in a high-growth area. Land-value taxation without considering the structure is an improvement but it still ends up taxing unrealized gains when surrounding land gets financialized. Old people own homes but that doesnt mean theyre rich it just means theyve lived through [--] years of mortgage payments." [X Link](https://x.com/just_in_brown/status/2011196167825301906) 2026-01-13T21:58Z [---] followers, [--] engagements "Do you really think the local whos lived in their home for a lifetime hasnt paid their fair share They werent always old. Most seniors are on fixed incomes. The only break is freezing their assessments at the point in which fixed income kicks in. Wealthy seniors are also often new buyers and paying the same taxes as any other buyer in [----]. https://twitter.com/i/web/status/2011209138408198386 https://twitter.com/i/web/status/2011209138408198386" [X Link](https://x.com/just_in_brown/status/2011209138408198386) 2026-01-13T22:49Z [---] followers, [---] engagements "Youre framing the positive benefits as paper equity. If you dont sell or take a reverse mortgage its irrelevant. The benefit only comes from a transaction and most people just want to live in their house. They dont plan to transact which is why theyre fighting to not be pressured out of their homes by a distorted market they never participated in" [X Link](https://x.com/just_in_brown/status/2011212781941412145) 2026-01-13T23:04Z [---] followers, [--] engagements "@gotrice2024 Secured cards should be the only thing you can get until you pass a financial literacy test administered by the card company. Unreal that we just let kids ruin their lives on leverage. Shes got her mom to try and help teach her plenty dont" [X Link](https://x.com/just_in_brown/status/2011280961024246209) 2026-01-14T03:35Z [---] followers, [--] engagements "Low rates turned paper housing gains into increased spending power and that spending power raised the price floor for everything else. If we want affordability we need less money in circulation not more. You dont fix an affordability crisis by making money cheaper you fix it by stopping distorted asset values from becoming permanent purchasing power. The Fed is somehow the only ones that understand this. https://twitter.com/i/web/status/2011472914898379105 https://twitter.com/i/web/status/2011472914898379105" [X Link](https://x.com/just_in_brown/status/2011472914898379105) 2026-01-14T16:18Z [---] followers, [--] engagements "About [--] % of seniors rely on Social Security or other fixed income sources for most of their income. In terms of ability to make money they are effectively disabled. They are past their working years. Seniors who stay put are not actively participating in the market distortion. Theyre not buying or selling to help entrench the inflated prices. Theyre just living their life while people overpay down the street. That shouldnt be vilified. https://twitter.com/i/web/status/2011522874067108297 https://twitter.com/i/web/status/2011522874067108297" [X Link](https://x.com/just_in_brown/status/2011522874067108297) 2026-01-14T19:36Z [---] followers, [---] engagements "Pricing power scales with volume and balance sheet strength. Natl builders can inflate prices and sit on inventory because they have leverage standardized costs and continued access to capital. Builder who cant run a bunch of low paid crews with high margins dont have that cushion so they have to price closer to what buyers will actually pay. https://twitter.com/i/web/status/2011539794350997685 https://twitter.com/i/web/status/2011539794350997685" [X Link](https://x.com/just_in_brown/status/2011539794350997685) 2026-01-14T20:43Z [---] followers, [---] engagements "@MaryBowdenMD We already pay for bad food twice. Once at the grocery store and again through Medicaid and disability. Fixing nutrition reduces dependency and setbacks that keep people from getting a head. And its actionable. Simply wanting people to be less poor isnt" [X Link](https://x.com/just_in_brown/status/2011548223102767162) 2026-01-14T21:17Z [---] followers, [--] engagements "He uses the term biological many times. Hes being clear with his language and shes still acting as if theres ambiguity to be used. The end result of ridiculous exchanges like this is that laws will just use the terms male and female so people arent using philosophy of language to try and undermine the historic use of the words men and women as a sex based classification. https://twitter.com/i/web/status/2011847224221974705 https://twitter.com/i/web/status/2011847224221974705" [X Link](https://x.com/just_in_brown/status/2011847224221974705) 2026-01-15T17:05Z [---] followers, [--] engagements "@FischerKing64 Modern education is not optimized for teaching kids about the real world. It is optimized for liability minimization. I attribute the lack of men in the industry to the low ROI on education degrees compared to back then. If they raised the salaries men would return" [X Link](https://x.com/just_in_brown/status/2011979539853856840) 2026-01-16T01:51Z [---] followers, [---] engagements "@rebelEducator Risk minimization. We now have a blueprint that guarantees children can age safely so long as were willing to sacrifice them maturing into adults. If this country didnt have such a strong sport culture wed be positively fucked" [X Link](https://x.com/just_in_brown/status/2012003171074547806) 2026-01-16T03:25Z [---] followers, [--] engagements "The dude probably has a sub-5% interest rate on a massive principal. Its not usury. Its just math. You pay interest on what you owe and you owe the most at the start. The obvious alternative is more down payment a smaller house and a shorter loan. Nobody complaining has even considered that. https://twitter.com/i/web/status/2012004284020179007 https://twitter.com/i/web/status/2012004284020179007" [X Link](https://x.com/just_in_brown/status/2012004284020179007) 2026-01-16T03:29Z [---] followers, [---] engagements "@AlecWelsh91 @michaelshermer He used the term biological. Hes being blunt and clear with his intent. She tried to force ambiguity but it was obvious what he was asking which is why its gone viral. Everyones heard enough of the word games" [X Link](https://x.com/just_in_brown/status/2012265495844516074) 2026-01-16T20:47Z [---] followers, [---] engagements "He used the term biological. That cuts out all of the philosophy of language social construct bullshit. To pretend that word relates to gender and not biological sex is forcing ambiguity. The natural consequence of playing dumb is that the laws will change the terms to male and female because regardless of what word was used the historical intent was sex classification. https://twitter.com/i/web/status/2012278422932766874 https://twitter.com/i/web/status/2012278422932766874" [X Link](https://x.com/just_in_brown/status/2012278422932766874) 2026-01-16T21:38Z [---] followers, [--] engagements "@rebelEducator Our district restructured to make high school start latest. The unintended benefit was older kids who are naturally early risers help with bringing younger siblings to school" [X Link](https://x.com/just_in_brown/status/2012285586665582853) 2026-01-16T22:07Z [---] followers, [---] engagements "@biancoresearch It could be age restricted that would create agility at the top that would shuffle the bottom enough to open homes up. The only saving grace for us is that so may people are married to their rates. As a universal policy its absolutely going to be inflationary" [X Link](https://x.com/just_in_brown/status/2012295488486158440) 2026-01-16T22:46Z [---] followers, [---] engagements "@dougboneparth It can be lubricant to get the upper segment of the market moving again or it can be gasoline poured on the demand fire at the bottom. Hard to tell whats gonna happen with so many folks already married to their rates" [X Link](https://x.com/just_in_brown/status/2012299221429362698) 2026-01-16T23:01Z [---] followers, [--] engagements "@Noahpinion ICE would not have to use the stick if the border patrol was allowed to at least hold it before now. This is blaming the personal trainer for how much it hurts to run while overweight" [X Link](https://x.com/just_in_brown/status/2012380618655465977) 2026-01-17T04:25Z [---] followers, [---] engagements "This applies to youth sports as well. Its less prevalent once competition matters and merit takes over but in the early years half of coaching is just parenting. My favorite part of coaching wrestling is that we tell parents upfront that we dont tolerate disruption. With the right discipline lots of it goes away. https://twitter.com/i/web/status/2012393673716125922 https://twitter.com/i/web/status/2012393673716125922" [X Link](https://x.com/just_in_brown/status/2012393673716125922) 2026-01-17T05:16Z [---] followers, [---] engagements "If a church is open to the public ICE can enter quietly like anyone else. The footage people see is the aftermath. A warrant is only needed to override privacy in private areas. In public lawful presence and probable cause are enough. Protesting typically creates a scene immediately and doing it on private property without consent is illegal" [X Link](https://x.com/just_in_brown/status/2013608336478921204) 2026-01-20T13:43Z [---] followers, [--] engagements "@HistoryBoomer The version of ICE were seeing now is a direct result of the local democratic government not doing their job. They created this monster" [X Link](https://x.com/just_in_brown/status/2013627291985645730) 2026-01-20T14:58Z [---] followers, [--] engagements "The theory and practice are divorced. It wouldnt be a cute little lifetime movie coffee shop with Anne Hathaway upstairs like this picture. Itd be a run-down convenience store selling kratom and delta-8 gummies to kids with [--] different families crammed into the [--] bedroom above it. https://twitter.com/i/web/status/2013708437239029996 https://twitter.com/i/web/status/2013708437239029996" [X Link](https://x.com/just_in_brown/status/2013708437239029996) 2026-01-20T20:21Z [---] followers, [---] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@just_in_brown Brownie
Brownie posts on X about money, if you, fixed income, in the the most. They currently have [------] followers and [---] posts still getting attention that total [---------] engagements in the last [--] hours.
Engagements: [---------] #
- [--] Week [----------] +19,920%
- [--] Month [----------] -69%
- [--] Months [-----------] +2,220,413,636%
- [--] Year [-----------] +172,003,789%
Mentions: [--] #
- [--] Week [--] -80%
- [--] Month [---] +89%
- [--] Months [---] +33,500%
- [--] Year [---] +4,113%
Followers: [------] #
- [--] Week [---] +2.20%
- [--] Month [---] +17%
- [--] Months [---] +85%
- [--] Year [---] +126%
CreatorRank: [-------] #
Social Influence
Social category influence finance countries stocks technology brands celebrities social networks ncaa football automotive brands travel destinations cryptocurrencies
Social topic influence money, if you, fixed income, in the, math, culture, debt, matter, investment, food
Top assets mentioned BlackRock Inc (BLK)
Top Social Posts
Top posts by engagements in the last [--] hours
"@CFBPlayoff @espn @ReceDavis You can see the guilt in both of their faces. Fucking FSU like this is the slimiest moral compromise in the history of college football"
X Link 2023-12-04T01:09Z [--] followers, [--] engagements
"@KirkHerbstreit I have never seen so much guilt in the college football world in my life. It is clear that there was a significant level of moral compromise in this decision. This is how faith in institutions goes to shit. I hope the noles skip the bowl game"
X Link 2023-12-04T01:19Z [--] followers, [--] engagements
"@GrahamStephan @S_T_E_V_E_3 Assuming 1.6% is correct youre talking about 1.5-2M homes. Private equity has more homes in their portfolio than the smallest [--] states have in their borders"
X Link 2023-12-13T13:44Z [--] followers, [--] engagements
"@TheRabbitHole84 commute verb gerund or present participle: commuting [--]. travel some distance between one's home and place of work on a regular basis"
X Link 2024-08-14T20:55Z [---] followers, [--] engagements
"@unusual_whales Make the American consumer a debt slave for longer. This is the [--] year auto loan all over again. More interest more depreciation by the time its paid off. Creating artificial demand is an awful idea"
X Link 2024-09-17T17:02Z [---] followers, [--] engagements
"@RichardHanania Credential crisis. College Education got watered down when the federal government took over student lending"
X Link 2024-10-09T17:54Z [---] followers, [--] engagements
"@redrose_anna Wildly popular in construction and infrastructure services especially in pursuit of state and federal contracts"
X Link 2024-11-01T15:27Z [---] followers, [--] engagements
"@jmhorp Louisiana Florida Hawaii and Puerto Rico would all benefit from soft drink clients. This will causea major boon to the local economies and a better prodict"
X Link 2024-11-18T13:19Z [---] followers, [--] engagements
"@EricRWeinstein @NSF @theNASEM American culture embraces unapologetic obsession. Dive into YouTube and youll see Americans who have dedicated their whole life to the most random niche topics. The culture is not the issue"
X Link 2024-12-31T01:42Z [---] followers, [--] engagements
"@Ford Bring back green paint options. Its been long enough"
X Link 2025-01-16T02:53Z [---] followers, [--] engagements
"@ClayTravis It should be played in its regular primetime slot on a local channel like it is on Super Bowl Sunday. Instead its on a Monday exclusively on a channel you cant watch without paying for [---] other bullshit channels along with it"
X Link 2025-01-23T03:13Z [---] followers, [--] engagements
"@LFC_ThomasK @KarluskaP STEM grads like the ones you mentioned repay their loans. Arts and Humanities grads dont. Tax dollars have plenty of better uses than funding low ROI degrees"
X Link 2025-04-29T01:48Z [---] followers, [--] engagements
"@girdley The American housing market is a game of monopoly. Those who already own assets get first pick and young people fight over the overpriced scraps that actually get listed on MLS. You dont need more homes you need first-time buyers to get priority over Airbnb and SFR investors"
X Link 2025-09-29T19:53Z [---] followers, [---] engagements
"@mcuban The real abuse is the uninsured including illegals using the ER as urgent care. Over 80% of visits are treat and release. No ones denying life saving care and claiming otherwise is either bad faith or ignorance"
X Link 2025-10-05T22:57Z [---] followers, [--] engagements
"@CPhilly19 If you show up to Death Valley with [--] losses by week [--] no one really cares about the matchup. LSU having a loss themselves doesnt help"
X Link 2025-10-12T22:13Z [---] followers, [---] engagements
"@EverythingRebs LSU fans dont care about the matchup. Two losses in the first five weeks for South Carolina doesnt spark much excitement. The offense looked awful and the win should have been routine. They cant all be bangers"
X Link 2025-10-12T22:33Z [---] followers, [----] engagements
"@captainGC0 LSU fans didnt care about the matchup. South Carolina was unranked and there was three losses in the first five weeks between the two teams. Middle of the road football"
X Link 2025-10-13T02:01Z [---] followers, [---] engagements
"@yrnational Youre squandering a teachable moment. Booting them incentivizes leaks. Private words no matter how ugly are meant for private eyes. Punishing someone for leaked messages that are not calls to harm punishes thought not action and sets a dangerous precedent"
X Link 2025-10-15T01:02Z [---] followers, [--] engagements
"@KPolo903 @GPAIndiana It absolutely is. DEI isnt just about race. Major companies like Adobe Google Microsoft Intel McDonalds Barclays Apple and Salesforce all publicly track DEI quotas to pat themselves on the back. Just search their names with DEI and see how common it is. Its everywhere"
X Link 2025-10-16T20:37Z [---] followers, [--] engagements
"@La_DOTD The traffic lights atthe interssction of LA-1 and LA-989-2 (West Main St.) in Brusly West Baton Rouge parish have been malfunctioning for a few days now is there someone to call concerning this"
X Link 2018-12-13T14:19Z [---] followers, [--] engagements
"Brian Kelly had his big moments but he never felt like he fit LSU. I hope the next hire is someone who gets the culture and the people. Last night was embarrassing all around and him being fired for it felt inevitable"
X Link 2025-10-27T00:23Z [---] followers, [---] engagements
"@PaulFisch1 @MorosKostas Social Security is earned through work and payroll contributions rewarding labor force participation rather than fostering dependency. If welfare were disincentivized Social Security would be more solvent"
X Link 2025-10-28T16:19Z [---] followers, [--] engagements
"@Vern_Funquist I moved here [--] months ago. I dont know everything about the inner-workings of LSU. Fixed it"
X Link 2025-10-31T15:49Z [---] followers, [---] engagements
"@9mm_smg How does this confrontation look without other guys around A self-righteous bully cornering a small woman over his woke bullshit politics. Im glad the men stepped in to remind him that real life isnt the same as his online echo chamber"
X Link 2025-11-03T20:10Z [---] followers, [--] engagements
"Adults are still in the room just not getting as much reach. Something obviously shifted after Charlie Kirks death. People were angry and everyone engaged with all the radical garbage that was being splattered everywhere. A few months later and the outrage shitposting has just become routine for some people. The momentum isnt going to last"
X Link 2025-11-04T01:50Z [---] followers, [---] engagements
"A generation of millennials now entering the prime of their careers are still serving under boomer managers who intend to work past [--] or do not plan to retire. The white collar economy has delayed retirement so much that it has pushed career trajectories back by five to ten years. This is not true for all industries obviously but you can definitely see the impact on the public sector"
X Link 2025-11-04T15:31Z [---] followers, [---] engagements
"Theres always this goofy balance between platforming someone and the marketplace of ideas. A reasonable person watches the interview and walks away with a worse view of Nick Fuentes after hearing his worldview firsthand. Sure maybe he struck a chord with a few but he turned away plenty more. The right is multifaceted and neither of those two represent the ideologically moderate views that make up most of the rights voter base. This is really only making waves online"
X Link 2025-11-04T16:10Z [---] followers, [--] engagements
"@hodgetwins @elonmusk Sunlight"
X Link 2025-11-04T20:05Z [---] followers, [--] engagements
"@realpeteyb123 The only hobbies kids can afford today are their phones and their politics. Theyve been priced out of the American dream and have no real stake in society. I hate it for them but we should have learned during the pandemic that something for nothing doesnt exist"
X Link 2025-11-06T00:39Z [---] followers, [--] engagements
"There is a point where upward mobility just broke. I see it in my family my friends and my younger colleagues. Covid QE split the economy into a K shape. If you had assets beforehand ZIRP meant refinancing freeing up cash and investing. If you didnt it meant paying a premium for everything. The same model vehicles cost tens of thousands more. Houses in the same neighborhood cost hundreds of thousands more. The same life on paper became twice as expensive for people only five years apart"
X Link 2025-11-06T13:45Z [---] followers, [--] engagements
"@TheLaurenChen Wall Street is not Main Street. New York City does not resemble the places where young conservatives and moderates live. NYC is blue. Yuppies move there bc its blue. Arguing over the shade of blue is pointless"
X Link 2025-11-06T14:22Z [---] followers, [---] engagements
"@elonmusk Its the same with Mega corporations. When Walmart brought in self-checkout you either played cashier or drove two towns over to find a real cashier"
X Link 2025-11-07T17:41Z [---] followers, [--] engagements
"Housing should be a utility not an investment. Limit how many single-family homes one person can own per zip or tweak taxes to favor primary owners over someone buying their 50th. Stop landlords from monopolizing middle America and no one would need [--] year mortgages or 3% rates"
X Link 2025-11-09T17:06Z [---] followers, [----] engagements
"@DavidBCollum Give SFR housing as a utility a priority over housing as an investment"
X Link 2025-11-09T17:07Z [---] followers, [--] engagements
"Terrible idea. Housing should be a utility not an investment. Limit how many single-family homes one person can own per zip or tweak taxes to favor primary owners over someone buying their 50th. Stop landlords from monopolizing middle America and no one needs a 50-year mortgage"
X Link 2025-11-09T17:09Z [---] followers, [----] engagements
"Use the example of 300K at [--] percent [--] yr interest 280K [--] yr interest 517K Delta 238K lost to the lender That extra 238K leaves the local economy. Instead of increasing debt obligation for decades longer I think we should: [--]. Stop subsidizing local markets (e.g. Section [--] shouldnt cover $4k+ rent in San Francisco) [--]. Incentivize primary homeowners over investors [--]. Cap how many single-family homes one person can"
X Link 2025-11-09T22:49Z [---] followers, [--] engagements
"Artificial demand drives prices up. Longer terms and higher prices just shove more money into interest draining the economy. People will push their budgets and predatory lenders will let them. The mistake is thinking buyers will pay the same price for the same home. They wont. Theyll max out their monthly budget the same way the 7-8 year car loans allowed the financing 100k luxury vehicles to become so popular. Someone with $1500 a month to spend is going to up their taste before they save their money"
X Link 2025-11-10T00:56Z [---] followers, [--] engagements
"We just went through this with ZIRP. People dont give a fuck about the price. They care about the payment. its the same reason why as soon as 7-8 year auto loans came out the middle class all of a sudden started owning $80k SUVs. People will up their taste to fit their monthly payment (based on their actual income) before they save money. And once you factor in the artificial demand the actual $400k home you get in the alternate reality where [--] year mortgages exist is worth $300k right now"
X Link 2025-11-10T02:13Z [---] followers, [--] engagements
"Transferring all the sub 5% mortgages would need massive capital to cover the gap between the loan balance and the sale price. Its basically just lowering rates again with more down payment required. It would only help the rich and do nothing for the young people who are stuck renting. Its just another way to create the same problem that inflated prices. It also forces sellers back into the market under the same terms"
X Link 2025-11-10T19:01Z [---] followers, [--] engagements
"50year home loans will inflate prices just like sub3% rates did. On paper stretching the term lowers the payment but thats not how people shop. Buyers focus on what fits their budget not the total price. Someone with $2k a month to spend is now buying a $375k house instead of $300k house. The more people that opt to do the same the more inflated prices become. And that $300k house selling for $500k doesnt make you richer. When you sell you buy into the same inflated market. Its all paper gains. The real effect is that more of your actual monthly income goes to the mortgage"
X Link 2025-11-10T19:50Z [---] followers, [--] engagements
"There is nothing pro-homeownership about it. Its no different than federalizing student loans which made tuition explode the 8year auto loans that normalized $80k SUVs or the sub3% rates postCovid that pushed the median home price up $100k. If 50year mortgages are rolled out to the general public theyll artificially inflate home prices through inorganically created demand. It MAYBE could be a reasonable tool if its limited to folks who already qualify for section [--]. In that case Id rather see home ownership subsidized over rent"
X Link 2025-11-10T20:00Z [---] followers, [---] engagements
"Artificial demand. The same thing as lowering credit score requirements or Kamala wanting to hand out $25k for down payments. All of it pushes buyers into the market who wouldnt be there otherwise and that pressure inflates prices inorganically. What we actually need is for home prices to reset to a realistic multiple of income and wages. ANYTHING else is treating the symptoms instead of the problem"
X Link 2025-11-11T18:34Z [---] followers, [---] engagements
"Its not about what happens in a vacuum. Its what happens to the macro environment once a policy like this is available. Anything that produces artificial demand is bad. Lowering credit scores zero interest rate policy Kamalas plan for $25k for down payments 50-year mortgages etc etc. If a kid could get a 50-year mortgage and nothing else changed maybe its not so bad. But once the 50-year mortgage rolls out a bidding war will begin and the $200k house will become $300k and they will be stuck overpaying for something that they generate little equity in and are responsible for fixing when it"
X Link 2025-11-11T19:07Z [---] followers, [---] engagements
"Here I fixed it. Your [--] year mortgage can be refinanced (with a refinancing fee) to bring down the term. You can also sell your property (with little equity and pay taxes on it) after three or four years of living there and buy a new property (at a premium) with a [--] or [--] year mortgage (with an origination fee). A [--] year mortgage may be a great opportunity for young people to get into homeownership (without actually capturing the main benefit)"
X Link 2025-11-11T21:25Z [---] followers, [---] engagements
"@pulte Get Wall St. out of Main St. Policy should prioritize primary ownership over investment. Just like out of state tuition residents should matter more than out of state investors"
X Link 2025-11-12T01:47Z [---] followers, [---] engagements
"The only way to get Wall St. out of Main St. is to take it offline or build a policy environment that favors primary ownership over investment. Housing policy should prioritize people who live in the community not those profiting off it. Just like out of state tuition locals should come first. Rural counties are being overrun by remote slumlords BlackRock and Berkshire while Zillow and the rest of the MLS sites force small town buyers to compete with the entire country"
X Link 2025-11-12T02:07Z [---] followers, [--] engagements
"If its rolled out to the general public it wont be some small percentage. Americans are not debt averse and if more people have the ability to spend they will. Look at the student loan crisis. When you make student debt easier to get tuition exploded. Same with 7-8 year car loans coinciding with soccer moms in $80k SUVs. There is no difference here. More people spending money means less supply higher prices higher taxes higher insurance"
X Link 2025-11-12T02:40Z [---] followers, [--] engagements
"@Polymarket If its gonna happen anyways they should apply them to federal debts first. Pay down owed taxes & federal student loans and you get whatever is left"
X Link 2025-11-12T19:05Z [---] followers, [--] engagements
"Its a closed loop. Foreign workers keep wages low. Fewer Americans get hired. Companies rely even more on cheap foreign labor. Wages stay low valuable degrees feel less worth it and fewer Americans study them. Americans get blamed for their lack of success. Then the cycle repeats"
X Link 2025-11-14T04:26Z [---] followers, [---] engagements
"18.6 million unauthorized immigrants in the U.S. per FAIR unauthorized includes people who entered illegally and visa overstays. unauthorized does not include their U.S.-born family members or legal spouses. U.S.-born children of unauthorized immigrants [---] million Legally present family members in mixed households [--] million Total household footprint [----] million people. Not that they would all be deported but his number for affected people is not far off"
X Link 2025-11-14T18:17Z [---] followers, [--] engagements
"@mattvanswol Diversity of thought is better than groupthink even if that means we dont act like a cult on every issue"
X Link 2025-11-15T22:11Z [---] followers, [---] engagements
"Anyone under any circumstances who actually lives in their home shouldnt have to care one bit about what anyone else thinks about that choice. Institutions own hundreds of thousands of SFR but were gonna shit on maw maw and paw paw for staying in the house that they put roots down in Wtf are we doing"
X Link 2025-11-16T00:13Z [---] followers, [---] engagements
"I think this is a great idea. College kids are over credentialed in bullshit drowning in piles of debt from degrees with no ROI. If the university had to take on financial risk maybe young vulnerable students wouldnt keep being treated like cash cows for degrees that basically only lead to a career teaching the same worthless degrees. https://twitter.com/i/web/status/1989889848488972427 https://twitter.com/i/web/status/1989889848488972427"
X Link 2025-11-16T02:54Z [---] followers, [--] engagements
"@SuzyQNJ13 @arpitrage Its frozen to coincide with them being on fixed income. Which is the main source of income for over 40% of boomers"
X Link 2025-11-16T02:59Z [---] followers, [--] engagements
"@VladTheInflator Realtors were the big winners of Covid. Lots of them havent been doing it long enough to even know what a level price looks like"
X Link 2025-11-16T14:43Z [---] followers, [---] engagements
"@StandUpForTrmp Absolutely. You can only pledge allegiance to one flag"
X Link 2025-11-17T00:59Z [---] followers, [---] engagements
"@BrianFeroldi Investing in REAL freindships. Hard to overstate how much money Ive saved hanging with great people for free 😂"
X Link 2025-11-17T03:29Z [---] followers, [--] engagements
"@Beanie0597 It needs to be presented as a tool and not a crutch. The Pandoras box of tech and AI has already been opened. I just hope younger generations can embrace it in a way that doesnt create too much dependency"
X Link 2025-11-17T04:05Z [---] followers, [--] engagements
"@unusual_whales We should lock in primary home property taxes when owners reach retirement age or move the tax burden to the sale itself. People on fixed incomes shouldnt be getting bent over for paper gains on the house they actually live in"
X Link 2025-11-17T20:33Z [---] followers, [---] engagements
"Make property taxes based on the average value of the home during the years you lived in it. It keeps older folks from getting squeezed by a distorted market they did not create and it gives everyone a reason to stay put longer. MOST seniors arent the millionaire boogeymen people cry about. Many of them have been in their home there whole life and truly cant keep up with home valuations rising so fast"
X Link 2025-11-17T20:44Z [---] followers, [----] engagements
"@Franklymrshankl @FixingEducation @grok Whats the percentage of the world that requires a masters degree to teach"
X Link 2025-11-18T14:24Z [---] followers, [--] engagements
"@WallStreetMav Airbnb"
X Link 2025-11-18T22:39Z [---] followers, [--] engagements
"@JackPosobiec If you got DoorDash money you got school lunch money. Them kids aint hungry theyre spoiled"
X Link 2025-11-18T22:53Z [---] followers, [--] engagements
"Everyone wants to attack boomers but property taxes shouldnt have anything to do with age. It should be directly correlated to purchase price. Everyone would be on the hook for whatever they decided to sign up for and not have to worry about paper gains that came from a distorted market they didnt even participate in"
X Link 2025-11-19T03:18Z [---] followers, [----] engagements
"Private property and individual choice are core tenets of American life. What someone decides to do with their home at [--] with [--] kids is fundamentally no different than what they decide to do with it at [--] with no kids. Old people have financial autonomy. Believe me you wont want to grow old in a country that doesnt believe that"
X Link 2025-11-19T15:22Z [---] followers, [--] engagements
"Tieing property taxes to value over time makes people pay a premium on unrealized gains. It shouldnt be the burden of a long term member of the community to fork over money based on what some newcomer decides to overpay for a house down the street. I bought for what I could afford they bought what they could afford. When you tie it to value especially after a market distortion like we saw during Covid you are disproportionately eating into the budget of folks on a fixed income. I wouldnt abolish them (maybe Id abolish them on a primary) but I also dont think you can continually raise"
X Link 2025-11-19T16:00Z [---] followers, [--] engagements
"I agree. The goal of every single policy should be to encourage family. Little kids really are the last spark of uncorrupted joy in the world. Bad policy encourages society to seek comfort and self-indulgence and prices them out of necessary sacrifice and raising children. Thats how we ended up with holiday get togethers that feel like co-worker retirement parties"
X Link 2025-11-19T16:15Z [---] followers, [--] engagements
"@Lurk24k @jlarkytweets Crowders position was that we shouldnt shut down the economy. They did it anyway then offered business loans that eventually became grants once shit hit the fan. Im not sure how much hypocrisy there is in that"
X Link 2025-11-19T22:43Z [---] followers, [--] engagements
"@Lurk24k @jlarkytweets Wasnt a handout. It was a loan. It only became a grant after the government realized how bad they fucked everyone over"
X Link 2025-11-20T02:59Z [---] followers, [--] engagements
"@Lurk24k @jlarkytweets @grok if a business was was forced to shut down by government mandate and got a PPP loan is that a handout Like Steven Crowder for instance"
X Link 2025-11-20T03:50Z [---] followers, [--] engagements
"The revenue stays the same yes. The individual share of who pays for that budget changes. Older homes were purchased for less and have historically carried a lower tax burden. Those same older homes were hit hardest because during COVID neighborhoods with larger homes bigger lots and fewer restrictions became highly desirable. This means they were disproportionately affected by reassessments of value resulting from the bidding wars during ZIRP. Im not misunderstanding anything. Again revenue-neutral is not neutral for individuals. Older residents in older neighborhoods ended up with a much"
X Link 2025-11-20T16:28Z [---] followers, [--] engagements
"@texasrunnerDFW Broken Bow was great for a day and then it kinda just turned into how much beer can I drink in this eight hundred thousand dollar cabin hot tub before it becomes a problem"
X Link 2025-11-21T04:00Z [---] followers, [----] engagements
"@educatedandfree @educatedandfree is this discourse just starting to get visibility It feels like this conversation is finally breaking into the open. UCSD piece broke the floodgate"
X Link 2025-11-21T15:14Z [---] followers, [---] engagements
"@JoshPhillipsPhD My controversial take on student loans is you should have to pass a financial math course before being eligible. Most borrowers simply had no idea how to run the numbers and didnt understand what they were signing up for"
X Link 2025-11-22T06:34Z [---] followers, [---] engagements
"It wont. Demand has to be tied to what people actually make not held up by investors whove swallowed so much of the housing market that they can spend indiscriminately everywhere else. You cant keep propping up the entire economy on a foundation of consumerism that has nothing to do with real wages. Rents need to fall investors need real vacancy risk and some of these overleveraged buyers need to be forced to sell. Even if 5% of that supply hits the market asset prices might finally deflate back to reality"
X Link 2025-11-23T00:58Z [---] followers, [--] engagements
"His Survival line is really a Keeping up with the Joneses line. Survival doesnt come with the choice to overspend on basic needs. The article is catnip for white collar people drowning in consumer debt who desperately want someone to tell them their spending is noble and unavoidable"
X Link 2025-11-24T20:13Z [---] followers, [--] engagements
"@PythiaR Good points but the math is forced. Its more like a keeping up with the Joneses line. $140k is enough to feel entitled to nicer things but not enough to actually have them all at the same time like his inputs suggest"
X Link 2025-11-25T03:15Z [---] followers, [---] engagements
"Directionally correct but the math was forced. Basically the same as a writing a student loan forgiveness piece for delinquent borrowers to read. 78% of American households are below the $140k threshold so most of the engagement comes from those who see it as lifestyle validation. Broad brush"
X Link 2025-11-25T04:06Z [---] followers, [---] engagements
"@KirkSpano @stevehou @profplum99 I think thats the point. Its directionally accurate but framed as survival and basic when it really should be like enjoying life and budgeting"
X Link 2025-11-25T14:48Z [---] followers, [--] engagements
"The article was a great conversation starter but Essex County NJ just isnt a baseline. Its part of the NYC metro with a COL index around [---]. We all know the coasts are expensive. Right sizing to a true baseline brings the figure much closer to 100k which still supports your argument"
X Link 2025-11-25T22:00Z [---] followers, [----] engagements
"@WesleyP65443 @profplum99 @stevehou Thats my point. That cohorts $130k against a $100k baseline is comfortable for most of the country. Comparing it to NYC Metro figures and theyre under water. NYC Metro households make 25% more than national average. https://www.bls.gov/regions/northeast/news-release/2024/consumerexpenditures_newyork_20241118.htmutm_source=chatgpt.com https://www.bls.gov/regions/northeast/news-release/2024/consumerexpenditures_newyork_20241118.htmutm_source=chatgpt.com"
X Link 2025-11-25T23:47Z [---] followers, [---] engagements
"@sfmcguire79 UCs been test free for [--] years and all the no decline claims are based on students admitted before the change. The first fully test free cohort hasnt even graduated yet"
X Link 2025-11-26T00:47Z [---] followers, [---] engagements
"Give first-time homebuyers capital priority and incentivize primary ownership over investment. If you bring housing down all these symptoms will level out. You cant expect a daycare worker to make minimum wage and also commute [--] minutes to do it. Affordable SFR housing getting monopolized by investors a few years ago is how we got here"
X Link 2025-11-26T01:16Z [---] followers, [----] engagements
"@AndrewCharles70 @stevehou Im not advocating more lending. Im saying lending should favor first-time buyers and primary residences. Lower rates for first-time buyers and higher taxes on investment properties would make a big difference"
X Link 2025-11-26T03:30Z [---] followers, [--] engagements
"@libsoftiktok You can never be diverse enough. Today its white women tomorrow straight women then able-bodied gay women. No matter what someone will always be left out. Thats the entire argument for merit"
X Link 2025-11-26T15:19Z [---] followers, [----] engagements
"American culture as we know it took shape between [----] and [----]. In [----] approx 95% of Americans traced their roots to families here before WW2. Today its under 65% Like it or not the loss of that shared core is what drives most of our political and cultural strain. America is a country but for about [--] years we were unmistakably a nation. We are quickly ceasing to be one"
X Link 2025-11-29T17:26Z [---] followers, 13.5K engagements
"Free college wont fix the ROI problem. Most degrees pursued today arent in STEM or other fields rigorous enough to pay off. For most majors colleges are just selling overpriced credentials. Free college treats the symptom (price) while ignoring the disease (the mismatch between what most students want to study and what the economy actually rewards.) Basically it just subsidizes the least marketable most often pursued degrees"
X Link 2025-11-30T01:45Z [---] followers, [--] engagements
"Phones changed the developmental environment faster than schools could adapt. That doesnt mean everything else had zero effect. There is likely some effect from migration pressures in certain countries curriculum experiments and from the pandemic disruptions. But none of those line up globally the way phones do. The other piece is the cultural shift in childhood. Kids have less independence less free play more helicoptering (big one) more anxiety and more adult micromanagement. That erodes critical thinking and study habit forming. When you add that to the constant attention drain from phones"
X Link 2025-11-30T14:21Z [---] followers, [---] engagements
"Free college wont fix the ROI problem. Most degrees pursued today arent in STEM or other fields rigorous enough to pay off. For most majors colleges are just selling overpriced credentials. Free tuition treats the symptom (price) while ignoring the disease (mismatch between what most students study and what the economy actually rewards). It would basically just be subsidizing the least marketable most often pursued degrees"
X Link 2025-11-30T14:40Z [---] followers, [--] engagements
"@dannykanell Why even play a regular season Why not a [---] team playoff The best solution is to stop pretending the top [--] teams are even playing the same sport as the rest"
X Link 2025-11-30T15:13Z [---] followers, [----] engagements
"@MeachamDr Now do entrepreneurs. Thinkers lean left Doers lean right. Youre conflating education with success & intelligence. Its not"
X Link 2025-11-30T16:17Z [---] followers, [----] engagements
"There isnt a more glaring example of the transfer portal/NIL era of college football than the Lane Kiffin situation. [--] seasons as a head coach a real shot at his first natty as HC and he bailed. If college football were really about football hed finish the season in Oxford. But its not. Its about money. There has to be calendar changes to keep from the sport seeing this happen every year"
X Link 2025-11-30T22:35Z [---] followers, [---] engagements
"The biggest problem is pretending the top tier teams and everyone else are even playing the same sport. They arent. Make a Superleague with the [--] programs that are already run like pros and give them a four team BCS playoff. Then put the other 100+ teams in a National League with an [--] team playoff and autobids. The regional benefits would be huge for the sport and people would still watch it"
X Link 2025-12-01T16:12Z [---] followers, [---] engagements
"@DallasAptGP Almost 40% of Texas homes are renter-occupied. Limiting full homestead exemptions to primary owners cuts the $81B deficit to about $49B. I think this is a much more sustainable option"
X Link 2025-12-01T18:03Z [---] followers, 11.6K engagements
"@DallasAptGP The market shifts to prioritize primary ownership over renting. It creates a less profitable environment for SFR investors and reduces direct competition for affordable homes for young people. And even if that wasnt the case a $40B hole is not a $80B hole"
X Link 2025-12-01T21:25Z [---] followers, [---] engagements
"@NeptuneACX1000 @greg_price11 They already do. Theres only been [--] individuals champions in the last [--] years. Those teams are who people are referring to when they say college football"
X Link 2025-12-01T21:34Z [---] followers, [--] engagements
"@NeptuneACX1000 @greg_price11 All [--] of those teams have annual revenues north of $100M. Those are all teams that would be considered the elite Superleague level teams I was talking about"
X Link 2025-12-02T04:58Z [---] followers, [--] engagements
"@kareem_carr Neither of which would exist in the real world. And when 40% of a class gets special treatment that cohort ends up in the workforce expecting the same"
X Link 2025-12-03T19:32Z [---] followers, [---] engagements
"@marcportermagee Were at this strange stage in humanity where the internet turns something as ordinary as being late into shit like time blindness & people latch onto the terms and wear them like victimhood badges"
X Link 2025-12-03T21:13Z [---] followers, [----] engagements
"@GordonJohnson19 For your personal contribution assuming a 10%/yr return these kids will have $0 when they turn 18yrs old $0 * (1 + .10)18 = $0. Is this really something to boast about What are the you getting in return"
X Link 2025-12-03T22:17Z [---] followers, [--] engagements
"@crusadepepe Corporate* leadership class. Small towns are absolutely still being led by community members who are business owners in the trades"
X Link 2025-12-04T19:03Z [---] followers, [---] engagements
"Finlands population is basically South Carolina. Theyre sprawling sparsely populated and ethnically homogeneous. There are plenty of things they can pull off that simply arent feasible in the US. Pretending a country 60x larger can copy paste their policies and get the same results is either ignorance or dishonesty"
X Link 2025-12-08T15:34Z [---] followers, [---] engagements
"@GrahamStephan Investors own about 20% of single-family homes and 90% of those are small landlords. Its easier to rage against BlackRock but mom-and-pop landlords are far more responsible for the lack of starter homes on the market. Rural America has been monopolized by remote investors"
X Link 2025-12-08T18:38Z [---] followers, [---] engagements
"Well-supported just means reliable repeatable and practically useful which it objectively is. You dont need perfect prediction. If an IQ test reliably predicts outcomes for the middle 80% thats enough for practical use in the real world. The extremes of any data set will always be more variable. But they dont disprove the rule"
X Link 2025-12-08T19:42Z [---] followers, [---] engagements
"Only 8% of boomers are part of the old millionaire boogeyman you want to kill. Your policy position is basic run of the mill communism plus an age component. Take from rich OLD people to give to YOUNG poor. Its only politically energizing because youre blasting it on a site where the median age is [--]. These old millionaires paid in when they were young workers. Its their turn one day itll be ours. People shouldnt be punished for succeeding under the rules they inherited"
X Link 2025-12-09T15:07Z [---] followers, [----] engagements
"@skdh When I found out as the oldest of [--] it was explained to me that I now could be trusted to preserve the magic for my siblings. It just like moving up from the kids table at thanksgiving. I plan to pass that same lesson to my eldest"
X Link 2025-12-09T20:42Z [---] followers, [--] engagements
"@ClayTravis Tulane and JMU played by the rules the NCAA set. They didnt luck into anything. They qualified in the purest competitive sense. They absolutely EARNED their spots even if you disagree with the CFP selection criteria"
X Link 2025-12-10T00:13Z [---] followers, [--] engagements
"Experts are not neutral saints. Acting like they are neutral guardians of the republic means you had your eyes closed during the two years of COVID lockdowns we just lived through. They were not. The doctors economists and PhDs she is defending were loyal to an ideology and to the last administrations priorities. The only real difference is which president or worldview their loyalty served"
X Link 2025-12-11T13:40Z [---] followers, [--] engagements
"@NBCNews Theres no way to screen criminal intent in an otherwise law-abiding person. Itd be better to just place limits on how many people can be in the country on visas or visa waiver programs at a time to limit risk that way"
X Link 2025-12-11T15:46Z [---] followers, [---] engagements
"@dieworkwear We need separate terms for immigrants on either end of the societal bell curve so disingenuous bullshit like this post can finally die off"
X Link 2025-12-11T20:43Z [---] followers, [--] engagements
"Its not the gunshot wound vs the broken toe as much as the decompressive craniectomy vs decompressive craniectomy or double bypass vs double bypass. Countless other examples. Much of healthcare has time sensitive demand. Heres the triage my friend who had a stroke in March went throughwait until the surgeon finishes with the current patient and hope you dont die in the meantime"
X Link 2025-12-12T15:46Z [---] followers, [--] engagements
"They are a burden. Illegals are one of the main forces displacing young people from homeownership. That $299B in spending power is artificial demand that shouldnt exist and is direct completion with kids in their 20s. American life has a normal trajectory and flooding a generation with people competing for the same things is wrong. Imagine buying a pizza for [--] friends and then someone uninvited takes a slice. Someone goes hungrythat someone is young people. https://twitter.com/i/web/status/1999521003920142605 https://twitter.com/i/web/status/1999521003920142605"
X Link 2025-12-12T16:45Z [---] followers, [--] engagements
"@uncledoomer That article cherry picked strawman examples and condescendingly explained the argument from the outside. It was composed like a zookeeper writing about the monkeys. NYT knew what they were putting out there"
X Link 2025-12-16T14:49Z [---] followers, [---] engagements
"@TheMattViera Parents really arent impressed by endless self-indulgence. We also travel eat fancy meals and meet cool people. We still FaceTime our kids before bed because they matter more than any of that"
X Link 2025-12-16T16:39Z [---] followers, [---] engagements
"@JoeCassandra Posts about parents missing out on all this 24/7 self-indulgent bullshit remind me of this. We travel eat at fancy places and meet cool people too. We just FaceTime our kids afterward because they matter more than all of that"
X Link 2025-12-17T03:19Z [---] followers, 20.1K engagements
"Hes not talking about million dollar homes. But even if he was supply and demand would get you there eventually. If the cheap house you want is gone you grab the next cheapest stretching your budget. When lots of people do that houses at that price start to sell out too. Then other people move to the next one and the cycle keeps going"
X Link 2025-12-17T03:56Z [---] followers, [---] engagements
"@AaronBlake He basically invented his own brand of identity politics when he mocked middle America for letting their kids play football and dance instead of debate club or science fairs. He lost a lot of his Main Street supporters with his intellectual pompousness"
X Link 2025-12-17T18:16Z [---] followers, [----] engagements
"Private equity owns 10% of the roughly 20M SFR rentals in the country. They are an issue but not the main issue. The other 90% is small time landlords who ABSOLUTELY rent to illegals. The increased demand raises local section [--] payment and is further incentive to scale. Illegals directly and indirectly (through renting from investors) displace young people buying entry level homes"
X Link 2025-12-17T19:49Z [---] followers, [--] engagements
"@mattyglesias It is a way to the old white men on top keep their jobs while sacrificing the young ones at the bottom because to the identity politics crowd theyre all just white men. Millennial white dudes were sacrificed to atone for the sins of the executive class"
X Link 2025-12-17T21:38Z [---] followers, [----] engagements
"Millennial white dudes were sacrificed to atone for the sins of the executive class. The old white men on top got to keep their jobs while the young ones at the bottom had their career and life trajectory obliterated because to the identity politics crowd theyre all just white men"
X Link 2025-12-17T23:49Z [---] followers, [--] engagements
"@scastro87 @RichardHanania No. I think populations should scale linearly without a nearly 10% influx from abroad that disproportionately affects young people who dont yet have stake in society. Americans are having fewer kids right now because of the affordability crisis"
X Link 2025-12-18T15:12Z [---] followers, [--] engagements
"@JDVance Millennial white dudes were sacrificed to atone for the sins of America having a mostly old & white executive class"
X Link 2025-12-18T15:38Z [---] followers, [--] engagements
"@SovEconomy @RichardHanania You could make the same chart for any group where [--] % are highly educated as long as you compare it to a mixed background baseline. This is just a statistical consequence of picking a highly educated subgroup"
X Link 2025-12-19T04:05Z [---] followers, [---] engagements
"@RichardHanania You could make the same chart for any group where [--] % are highly educated as long as you compare it to a mixed background baseline. This is just a statistical consequence of picking a highly educated subgroup"
X Link 2025-12-19T04:05Z [---] followers, [----] engagements
"Americans have issues with Indian immigration because they gamified the H-1B program and account for 70% of skilled labor imports. Most of which is in a small number of industries. No one gave a shit about WHO Indian immigrants were until they made us notice but HOW MANY there are in certain fields. The support for reform isnt about Indians themselves. its because people are frustrated with the sheer volume of H-1B workers in concentrated fields. Indians exploiting the system just made Indian synonymous with H-1B"
X Link 2025-12-19T17:56Z [---] followers, [---] engagements
"@SeanMcwill57664 @AntiCommieBecca @JoelWBerry Very glad that I said Sweden then"
X Link 2025-12-19T20:20Z [---] followers, [--] engagements
"@Budgetdog_ No risk tolerance. Hard to think about anything other than survival when youre broke"
X Link 2025-12-23T03:49Z [---] followers, [--] engagements
"There will be a reckoning in the housing market. its completely inevitable. Housing values have to align with income and wages to be supported long term. If there is anything that makes vacancies rise investors will pull back and the market will correct. Right now low interest rates mask the risk but it cant go on forever"
X Link 2025-12-26T17:34Z [---] followers, [--] engagements
"In the late 70s and [----] San Diego was solidly Republican both locally and nationally. Everyday American families lived there. People are mourning the fact that lots of great American cities will never claw their way out of the over priced crowded liberal globalist hellscapes theyve become"
X Link 2025-12-28T00:44Z [---] followers, [--] engagements
"@jonbrooks The internet allowed for exponential scaling and visibility. Home prices exploded once online MLS listings became heavily adopted and homes were no longer being sold as primary residences to community members first"
X Link 2025-12-28T03:39Z [---] followers, [---] engagements
"@AnnaGorisch Either way the jobs not going to Americans. Thats fine keep them there. Thats [-----] fewer people competing for the same houses daycare spots and everything else that young Americans are being priced out of"
X Link 2025-12-28T04:08Z [---] followers, [----] engagements
"@Etanarachel Both sides feel the same stress. Liberals turn it into a diagnosed condition and wield it as a shield against personal criticism. Conservatives keep it to themselves. Mental health language is code for excuse that much of society has to legally acknowledge"
X Link 2025-12-28T15:24Z [---] followers, [---] engagements
"The research that led to the vlogging already proved these businesses were illegitimate. This was not day one and they were not knocking on doors at random. How deeply buried in your partys bullshit do you have to be to whatabout your way around this level of red handed evidence of fraud https://twitter.com/i/web/status/2005417778040459268 https://twitter.com/i/web/status/2005417778040459268"
X Link 2025-12-28T23:17Z [---] followers, [--] engagements
"California banned racial preferences so schools changed the rules. Grade inflation and dropping tests removed the only real way to compare students. GPA now mostly shows how easy your school grades not how strong you are and theres no test to prove it. That leaves holistic review where racial outcomes get engineered. UCSD reports 1/8 of incoming students now need remedial math up from 1/200 before tests were dropped in [----]. https://twitter.com/i/web/status/2005452692638835102 https://twitter.com/i/web/status/2005452692638835102"
X Link 2025-12-29T01:35Z [---] followers, [---] engagements
"The right tries to fix the disease not just mask the symptoms. The disease isnt immigration its TOO MUCH immigration TOO FAST. if youre trying to let our housing market job market schools and hospital systems breath Deportations are a real solution. Promising legal status eventually or keeping incentives for illegal entry high by refusing to prosecute people who break into the country is not. https://twitter.com/i/web/status/2005658720454259159 https://twitter.com/i/web/status/2005658720454259159"
X Link 2025-12-29T15:14Z [---] followers, [--] engagements
"If it takes less than a day to demonstrate that these places are still operating openly under illegitimate premises to funnel taxpayer dollars then the prosecutors are sitting on their hands and the public outrage is justified. The kitchens been on fire since [----] and saying we have [--] extinguishers nearby is not as effective as admitting the kitchen is still on fire today and calling [---]. https://twitter.com/i/web/status/2005668748632498244 https://twitter.com/i/web/status/2005668748632498244"
X Link 2025-12-29T15:54Z [---] followers, [--] engagements
"Mass migration is not immigration. Volume and intensity matter. This isnt about racism and it wouldnt even be an issue if the numbers were tiny like in past generations. Too much of any culture from outside our borders is destabilizing. Every trait you of the group that the left fixates on is incidental. https://twitter.com/i/web/status/2005680192610582721 https://twitter.com/i/web/status/2005680192610582721"
X Link 2025-12-29T16:39Z [---] followers, [--] engagements
"All the shit youre hung up on is incidental. And all of the pushback Indians are catching is specifically due to exploitation of H-1B that created a volume surge. 70% of H-1B. 7% of green cards just like every one else. Which one do you think led to the pushback Its the volume. Americans are used to every shade of person and every accent under the sun. Thats not new. What we arent used to is ethnically segregated bubbles popping up next door in Middle America. The concept of Chinatownis an urban thing. Middle America is used to a trickle not a flood."
X Link 2025-12-29T18:51Z [---] followers, [--] engagements
"@texasrunnerDFW Soft landing is how we got here. Everyone who invested in real estate during ZIRP has made money hand over fist and without an actual recession they will continue to. The strain wont go away until pain is felt up the ladder"
X Link 2025-12-29T20:01Z [---] followers, [--] engagements
"Its subsidized because it if were not food would be a geopolitical vulnerability. The actual beneficiaries are everyone who expects a grocery store to work during a drought a flood a war or a recession. Its not we subsidize farmers. Its we pay to not be dependent. Food is leverage if you cant make your own at scale. https://twitter.com/i/web/status/2006006955257586044 https://twitter.com/i/web/status/2006006955257586044"
X Link 2025-12-30T14:18Z [---] followers, [---] engagements
"Food production has real world constraints. Some years you get massive surplus then a flood hits then a drought the next year. We intentionally run at max production as a hedge against that risk even knowing sometimes itll be wasted because the alternative is shortages price shocks and foreign dependence. Lots of surplus gets donated. https://twitter.com/i/web/status/2006009463073878042 https://twitter.com/i/web/status/2006009463073878042"
X Link 2025-12-30T14:28Z [---] followers, [--] engagements
"@TheOmniLiberal Its called a fucking DAYcare for a reason. Anyone on X who actually has kids knows the hours and the consequences of being late. Its perfectly OK to not have a shit opinion on every little thing you have no idea about"
X Link 2025-12-30T20:54Z [---] followers, [--] engagements
"The consequences of weather causing starvation or a farm shutting down despite doing everything right are unique to farming. When your business and the countrys food supply depends on rain youre in a completely different risk category than people building things we dont need to survive"
X Link 2025-12-30T22:51Z [---] followers, [--] engagements
"Theyre not complaining that America isnt influential. Theyre complaining about cohesion. Exporting blue jeans and Coca Cola is corporate dominance. Importing millions of people who publicly signal allegiance to somewhere else by waving foreign flags in American streets is cultural disease"
X Link 2025-12-31T14:19Z [---] followers, [----] engagements
"@dangainor @ArmandDoma The Internet age of politics doesnt allow one side to take the high road. You cede too much ideological ground too quickly if theres no debate from fear of social punishment. Idk if Mitt Romney types will survive going forward"
X Link 2026-01-01T17:59Z [---] followers, [--] engagements
"That 50% is paper gains in my market. Everyone thinks they know what their home is worth but transaction volume is so low theyre either pulling the listing or dropping $50k before they move. Buyers have great leverage right now but not if you have to sell and are counting on that likely inflated equity as downpayment. https://twitter.com/i/web/status/2006865845033521628 https://twitter.com/i/web/status/2006865845033521628"
X Link 2026-01-01T23:11Z [---] followers, [---] engagements
"All is shorthand for the most fragile few percent of the institution that changes things from good to catastrophic. Most systems run close to capacity as a rule. 95% employment is an A 90% is an F. Single-digit shifts in unemployment housing or welfare feel catastrophic because that small delta is all the reserve society has to keep running. The idea of all absolutely computes when you realize its all the tolerance the system allows https://twitter.com/i/web/status/2007230446502064210 https://twitter.com/i/web/status/2007230446502064210"
X Link 2026-01-02T23:20Z [---] followers, [---] engagements
"Property taxes rise with appreciation. Maintenance insurance and repairs are the overhead and risk of the asset class. Landlords are a net good. But when money got cheap the affordable home market was bought up by people without the risk tolerance to own property. With no cheap homes left young Americans became renters by default and are now exploited. It is absolutely true that rents should not go up without upgrades to the property. The reason the market rent doesnt act that way is because in lots of places theres nowhere else for people to go."
X Link 2026-01-03T17:15Z [---] followers, [--] engagements
"Less a moral failure and more textbook irritability from depression burnout or anxiety. A nervous system thats already overstimulated doesnt tolerate a [--] year-old super-stimulus well. Hard physical training at the gym and dialing back caffeine would probably change this more than any amount of self-interrogation. https://twitter.com/i/web/status/2007829145036739069 https://twitter.com/i/web/status/2007829145036739069"
X Link 2026-01-04T14:59Z [---] followers, [---] engagements
"@xwanyex Yes we do. Master plans basically exist as a template for the path of least resistance for getting permission to build specific things"
X Link 2026-01-05T18:34Z [---] followers, [---] engagements
"@MadelaineLucyH Low conflict holds up more relationships than high alignment. Its a big reason why parenthood complicates things and lots of people jump ship with young ones still in the home"
X Link 2026-01-05T18:42Z [---] followers, [---] engagements
"@jgmahoney @mattyglesias Conservatism sides with the many over the one when the one is imposing externalities. This isnt some farmer fencing his land or neighbor adding a porch. Its a commercial scale building that rewrites the neighborhood contract after the fact"
X Link 2026-01-05T20:19Z [---] followers, [--] engagements
"@GrammarTsar @bennetthaselton @MadelaineLucyH Female students outperform on average but cluster to the mean. Boys have much more variability and are most often the highest AND lowest performers"
X Link 2026-01-06T14:01Z [---] followers, [--] engagements
"@JamesBlairUSA @pulte Fed interest rates respond to the economy not politicians and work with a lag. Those same record low interest rates caused by Covid are the reason young Americans are priced out of the housing market right now. This is tone deaf"
X Link 2026-01-06T14:56Z [---] followers, [--] engagements
"@TugoNews Sounds like you support the DEA being turbocharged the same as ICE"
X Link 2026-01-06T17:16Z [---] followers, [--] engagements
"@jonbrooks Yes. Mostly an easy scapegoat. Institutions account for less than 15% of investor-owned properties but their holdings are heavily concentrated in certain major metros. For people in those areas this will move the needle quite a bit"
X Link 2026-01-07T20:23Z [---] followers, [---] engagements
"I was waiting to see how the left would spin this as negative. You cant morally posture about BlackRock owning homes and be taken seriously about how you care about affordability in any other part of the economy. The sorting criteria of your position is basically: did the right do it If so Its bad"
X Link 2026-01-07T21:25Z [---] followers, [---] engagements
"Were in an affordability crisis. Main Street doesnt give a shit about paper gains on institutional rental portfolios. People want to own homes not rent forever. And with fewer people forced into renting its hard to argue rents will somehow keep rising. The housing stock doesnt disappear. The payments dont disappear. What changes is who gets the equity versus who extracts profit. https://twitter.com/i/web/status/2009251244964008027 https://twitter.com/i/web/status/2009251244964008027"
X Link 2026-01-08T13:10Z [---] followers, [--] engagements
"@TheUltimator5 @PeterSchiff 30% of SFRs are rentals. Huge spike post-covid due to ZIRP. But banning institutional investors will give people more chance to buy and be less forced into renting. Less renters less rent"
X Link 2026-01-08T13:20Z [---] followers, [--] engagements
"The housing shortage isnt a general shortage. Its a shortage of entry and mid level homes. Institutional investors buy single family homes and set price comps based on rental arbitrage locking out young people and forcing them to rent. Institutions are a concentrated demand pressure acting on the most constrained buyers. If youre an existing homeowner you have benefited from them inflating the market. If youre not already a homeowner theyre your direct competitor for affordable homes. https://twitter.com/i/web/status/2009292706988671341 https://twitter.com/i/web/status/2009292706988671341"
X Link 2026-01-08T15:54Z [---] followers, [--] engagements
"I think it depends on the region. In some high-growth areas its a major problem at entry- and mid-level price points where the cash-flow math works out. Comps are being set by rent-backed leverage which then directly drives up taxes and insurance rates. Most people just need the right price and theyll figure out the rest. https://twitter.com/i/web/status/2009365939901407398 https://twitter.com/i/web/status/2009365939901407398"
X Link 2026-01-08T20:45Z [---] followers, [--] engagements
"It wouldnt have to cost much more and the down payment wouldnt be unaffordable if the market werent distorted by outside demand pressures unrelated to local incomes. I think there are many other contributing factors to the distortion but values propped up by rent-backed leverage isnt helping. https://twitter.com/i/web/status/2009382588645831121 https://twitter.com/i/web/status/2009382588645831121"
X Link 2026-01-08T21:51Z [---] followers, [--] engagements
"No objective person would back me up on the fact that outside demand pressures are inflating home prices and decoupling them from local incomes I think theres a myriad of things we can do to bring prices down. I dont think you have to dismiss a step in the right direction because it doesnt solve the entire problem. Food pantries are worthwhile even if they dont solve world hunger. https://twitter.com/i/web/status/2009394720422641669 https://twitter.com/i/web/status/2009394720422641669"
X Link 2026-01-08T22:40Z [---] followers, [--] engagements
"@samsonite771 @NaoBoboTJ @elerianm You cant build your way out if as soon as homes are finished investors snatch them up bc money is cheap. This just turns cash flows models back to black and pours gasoline on the demand fire"
X Link 2026-01-08T23:36Z [---] followers, [--] engagements
"This is such bullshit. Mortgages wouldnt have to be this large without artificial demand pressure. Cheap houses would stay cheap if they werent scooped up based on cash flow math. The natural progression is starter homes first building enough equity to move up when your family grows. That never happens when investors take the bottom rung. Investors wouldnt be a problem if they were competing with people who had options. Instead they compete with the weakest buyers trap them as renters and claim its good for them. https://twitter.com/i/web/status/2009684013800370366"
X Link 2026-01-09T17:49Z [---] followers, [--] engagements
"@DiMartinoBooth @m3_melody The top cant move the bottom is being rented out and mid-tier owners are stuck with no exit liquidity. Its not a roofs issue its an owner composition and price issue"
X Link 2026-01-09T22:11Z [---] followers, [--] engagements
"Starter homes arent meant to be forever homes. We have enough entry-level homes but not enough people can afford to use them as a stepping stone. Thats partly price inflation partly the fact that many starter homes are rentals (so residents cant capture equity) and partly because top and mid-tier homeowners are locked in with low rates and wont sell. The housing crisis is a handful of affordability problems that all work together. https://twitter.com/i/web/status/2009751693664153690 https://twitter.com/i/web/status/2009751693664153690"
X Link 2026-01-09T22:18Z [---] followers, [---] engagements
"@heresyfinancial Not having a credit card doesnt stop predatory interest. Youll just end up financing things like car repairs or a new fridge anyway. It might slow down discretionary spending but it doesnt protect you from high interest"
X Link 2026-01-10T20:44Z [---] followers, [---] engagements
"This is just like the student loan pause. Existing debt will be cheaper for a while. Some people will use that breathing room to pay the debt down. Others will use it as an excuse to take on more. The policy doesnt decide the outcome. Peoples choices do. The most kind thing we can do is say no to the folks who very obviously cant afford it instead of just making the terms life ruining when they inevitably default. https://twitter.com/i/web/status/2010105740774780996 https://twitter.com/i/web/status/2010105740774780996"
X Link 2026-01-10T21:45Z [---] followers, [--] engagements
"The mechanics dont matter and its far from obvious that credit cards benefit everyone. The tech and protections arent whats being debated. No one is against secured cards with a limit that is collateralized. The problem is giving risky individuals a card they cant manage trapping them in debt they cant dig out of. https://twitter.com/i/web/status/2010501267097858150 https://twitter.com/i/web/status/2010501267097858150"
X Link 2026-01-11T23:57Z [---] followers, [---] engagements
"@federalreserve The economy has a broken leg and trumps mad at Powell for not prescribing more pain meds. Balance takes time. Enough of the nonstop crisis governance"
X Link 2026-01-12T03:20Z [---] followers, [--] engagements
"I think most of the 10% credit card cap debate collapses if applications just included a financial literacy class and/or test. No more arguing about whether people knew better. No more justifying bad outcomes after the fact. No more pretending to know more about price controls or predatory lending mechanics. Either you learned the risks and still opted in or you didnt and dont get leveraged products until you do. The CC companies get to keep their heinous business model and the public gets to make informed decisions. Win-win. https://twitter.com/i/web/status/2010800794971619799"
X Link 2026-01-12T19:47Z [---] followers, [---] engagements
"@DiMartinoBooth No one cares about Fed independence. People care about how often they jerk the wheel of the economy and force a lagging tool like interest rates to constantly disrupt lives. The nonstop crisis governance has to stop"
X Link 2026-01-12T20:03Z [---] followers, [--] engagements
"@texasrunnerDFW Runaway paper gains eventually get baked into reassessments used for property taxes and policy requirements. The tax (and insurance) man cometh"
X Link 2026-01-12T22:29Z [---] followers, [--] engagements
"@mattyglesias Covid exposed how dependent and fragile our supply chains were and the country reacted. Less about Biden and more about Post-Covid recovery being given a green light at scale"
X Link 2026-01-13T03:46Z [---] followers, [---] engagements
"@BlanchardPhD When the outcomes are identical intent doesnt negate responsibility. Second degree murder is still murder"
X Link 2026-01-13T13:51Z [---] followers, [--] engagements
"@StealthQE4 Instagram culture proves young folks are still eating out theyre just not going for the food as much as the picture and vibe. Steakhouses and piano bars have lots of competition nowadays from trendy patio bars and global cuisine spots"
X Link 2026-01-13T19:41Z [---] followers, [----] engagements
"@DanielParker_13 @mattyglesias If they didnt participate in the market they didnt benefit from it. They never helped entrench the inflated value. They just lived their lives. If and when they sell tax the gains. Until then stop blaming them for the decisions of others to over pay down the street"
X Link 2026-01-13T21:08Z [---] followers, [--] engagements
"I dont think efficiency should factor into land use at all. Farmland might be more economically efficient as a casino resort but its also efficient at feeding people. The same argument applies to any private propertya private home versus an Airbnb in a high-growth area. Land-value taxation without considering the structure is an improvement but it still ends up taxing unrealized gains when surrounding land gets financialized. Old people own homes but that doesnt mean theyre rich it just means theyve lived through [--] years of mortgage payments."
X Link 2026-01-13T21:58Z [---] followers, [--] engagements
"Do you really think the local whos lived in their home for a lifetime hasnt paid their fair share They werent always old. Most seniors are on fixed incomes. The only break is freezing their assessments at the point in which fixed income kicks in. Wealthy seniors are also often new buyers and paying the same taxes as any other buyer in [----]. https://twitter.com/i/web/status/2011209138408198386 https://twitter.com/i/web/status/2011209138408198386"
X Link 2026-01-13T22:49Z [---] followers, [---] engagements
"Youre framing the positive benefits as paper equity. If you dont sell or take a reverse mortgage its irrelevant. The benefit only comes from a transaction and most people just want to live in their house. They dont plan to transact which is why theyre fighting to not be pressured out of their homes by a distorted market they never participated in"
X Link 2026-01-13T23:04Z [---] followers, [--] engagements
"@gotrice2024 Secured cards should be the only thing you can get until you pass a financial literacy test administered by the card company. Unreal that we just let kids ruin their lives on leverage. Shes got her mom to try and help teach her plenty dont"
X Link 2026-01-14T03:35Z [---] followers, [--] engagements
"Low rates turned paper housing gains into increased spending power and that spending power raised the price floor for everything else. If we want affordability we need less money in circulation not more. You dont fix an affordability crisis by making money cheaper you fix it by stopping distorted asset values from becoming permanent purchasing power. The Fed is somehow the only ones that understand this. https://twitter.com/i/web/status/2011472914898379105 https://twitter.com/i/web/status/2011472914898379105"
X Link 2026-01-14T16:18Z [---] followers, [--] engagements
"About [--] % of seniors rely on Social Security or other fixed income sources for most of their income. In terms of ability to make money they are effectively disabled. They are past their working years. Seniors who stay put are not actively participating in the market distortion. Theyre not buying or selling to help entrench the inflated prices. Theyre just living their life while people overpay down the street. That shouldnt be vilified. https://twitter.com/i/web/status/2011522874067108297 https://twitter.com/i/web/status/2011522874067108297"
X Link 2026-01-14T19:36Z [---] followers, [---] engagements
"Pricing power scales with volume and balance sheet strength. Natl builders can inflate prices and sit on inventory because they have leverage standardized costs and continued access to capital. Builder who cant run a bunch of low paid crews with high margins dont have that cushion so they have to price closer to what buyers will actually pay. https://twitter.com/i/web/status/2011539794350997685 https://twitter.com/i/web/status/2011539794350997685"
X Link 2026-01-14T20:43Z [---] followers, [---] engagements
"@MaryBowdenMD We already pay for bad food twice. Once at the grocery store and again through Medicaid and disability. Fixing nutrition reduces dependency and setbacks that keep people from getting a head. And its actionable. Simply wanting people to be less poor isnt"
X Link 2026-01-14T21:17Z [---] followers, [--] engagements
"He uses the term biological many times. Hes being clear with his language and shes still acting as if theres ambiguity to be used. The end result of ridiculous exchanges like this is that laws will just use the terms male and female so people arent using philosophy of language to try and undermine the historic use of the words men and women as a sex based classification. https://twitter.com/i/web/status/2011847224221974705 https://twitter.com/i/web/status/2011847224221974705"
X Link 2026-01-15T17:05Z [---] followers, [--] engagements
"@FischerKing64 Modern education is not optimized for teaching kids about the real world. It is optimized for liability minimization. I attribute the lack of men in the industry to the low ROI on education degrees compared to back then. If they raised the salaries men would return"
X Link 2026-01-16T01:51Z [---] followers, [---] engagements
"@rebelEducator Risk minimization. We now have a blueprint that guarantees children can age safely so long as were willing to sacrifice them maturing into adults. If this country didnt have such a strong sport culture wed be positively fucked"
X Link 2026-01-16T03:25Z [---] followers, [--] engagements
"The dude probably has a sub-5% interest rate on a massive principal. Its not usury. Its just math. You pay interest on what you owe and you owe the most at the start. The obvious alternative is more down payment a smaller house and a shorter loan. Nobody complaining has even considered that. https://twitter.com/i/web/status/2012004284020179007 https://twitter.com/i/web/status/2012004284020179007"
X Link 2026-01-16T03:29Z [---] followers, [---] engagements
"@AlecWelsh91 @michaelshermer He used the term biological. Hes being blunt and clear with his intent. She tried to force ambiguity but it was obvious what he was asking which is why its gone viral. Everyones heard enough of the word games"
X Link 2026-01-16T20:47Z [---] followers, [---] engagements
"He used the term biological. That cuts out all of the philosophy of language social construct bullshit. To pretend that word relates to gender and not biological sex is forcing ambiguity. The natural consequence of playing dumb is that the laws will change the terms to male and female because regardless of what word was used the historical intent was sex classification. https://twitter.com/i/web/status/2012278422932766874 https://twitter.com/i/web/status/2012278422932766874"
X Link 2026-01-16T21:38Z [---] followers, [--] engagements
"@rebelEducator Our district restructured to make high school start latest. The unintended benefit was older kids who are naturally early risers help with bringing younger siblings to school"
X Link 2026-01-16T22:07Z [---] followers, [---] engagements
"@biancoresearch It could be age restricted that would create agility at the top that would shuffle the bottom enough to open homes up. The only saving grace for us is that so may people are married to their rates. As a universal policy its absolutely going to be inflationary"
X Link 2026-01-16T22:46Z [---] followers, [---] engagements
"@dougboneparth It can be lubricant to get the upper segment of the market moving again or it can be gasoline poured on the demand fire at the bottom. Hard to tell whats gonna happen with so many folks already married to their rates"
X Link 2026-01-16T23:01Z [---] followers, [--] engagements
"@Noahpinion ICE would not have to use the stick if the border patrol was allowed to at least hold it before now. This is blaming the personal trainer for how much it hurts to run while overweight"
X Link 2026-01-17T04:25Z [---] followers, [---] engagements
"This applies to youth sports as well. Its less prevalent once competition matters and merit takes over but in the early years half of coaching is just parenting. My favorite part of coaching wrestling is that we tell parents upfront that we dont tolerate disruption. With the right discipline lots of it goes away. https://twitter.com/i/web/status/2012393673716125922 https://twitter.com/i/web/status/2012393673716125922"
X Link 2026-01-17T05:16Z [---] followers, [---] engagements
"If a church is open to the public ICE can enter quietly like anyone else. The footage people see is the aftermath. A warrant is only needed to override privacy in private areas. In public lawful presence and probable cause are enough. Protesting typically creates a scene immediately and doing it on private property without consent is illegal"
X Link 2026-01-20T13:43Z [---] followers, [--] engagements
"@HistoryBoomer The version of ICE were seeing now is a direct result of the local democratic government not doing their job. They created this monster"
X Link 2026-01-20T14:58Z [---] followers, [--] engagements
"The theory and practice are divorced. It wouldnt be a cute little lifetime movie coffee shop with Anne Hathaway upstairs like this picture. Itd be a run-down convenience store selling kratom and delta-8 gummies to kids with [--] different families crammed into the [--] bedroom above it. https://twitter.com/i/web/status/2013708437239029996 https://twitter.com/i/web/status/2013708437239029996"
X Link 2026-01-20T20:21Z [---] followers, [---] engagements
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