The Real Money Pros

50-Year Mortgages: Debt Until Death


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You've heard the controversial new idea making headlines — the 50-year mortgage. What started as a proposal from national homebuilders sparks a bigger conversation: Are we solving housing affordability, or just stretching debt for another generation?

Brian breaks down how amortization works, why stretching payments can look appealing but cost hundreds of thousands more in interest, and how it impacts the broader economy. He also shares personal stories about real estate mistakes, mortgage decisions, and how inflation and rising rates are reshaping homeownership for Millennials and Gen Z.

Listeners call in with their own real-life experiences — from first-time homebuyers juggling tight budgets to the emotional payoff of finally owning a place you can call your own. Along the way, Brian explains the math behind mortgage length, how income growth changes affordability over time, and why some debts may not be as "bad" as you think.

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https://www.therealmoneypros.com

Host:

Brian Wiley

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The Real Money ProsBy The Real Money Pros

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