Takeaways:

• Half of young adults currently live with their parents, a statistic reminiscent of the Great Depression era.
• Unlike in the past where it was about survival, today's housing struggles are more about economics and math.
• With rent consuming 60% of incomes, moving out and achieving independence feels nearly impossible for many.
• We've created a world where personal independence is treated like a luxury item—how did we get here?
• There was a golden age when home ownership was within reach; now, those days seem like a distant dream.
• Our assumptions about permanent independence have been proven wrong, so what does the future hold for us?

This is the Daily Note.

I'm James A.

Brown.

Half of young adults live with their parents.

Now, that's Great Depression levels.

But here's what's different.

Today it's about math.

When rent costs 60% of our incomes and starter homes require giant down payments, moving out is nearly impossible.

We've created a system where independence has become a luxury good.

Three generations under one roof used to be normal.

Then we had this brief historical moment, maybe 50 years, where everyone could afford their own place.

We assumed it was permanent.

And like so many other of our assumptions, we're wrong about that, too.

So what do you think?

On that note, I'm James A.

Brown, and as always, be well.