I feel like there’s also a “locked out” effect… As in I’m locked out of the housing market entirely now. It’s insanely frustrating as I was just working on a promotion that would leave me comfortably affording the cheaper houses, then covid screwed everything… Now I’d be paycheck to paycheck in a dilapidated shithole in the worst parts of the worst towns around and the way housing seems to work, it’s just infinite growth forever so it’s never going back down…