A heated debate erupted in the FirstTimeHomeBuying subreddit after a 35-year-old man accused Baby Boomers of transforming housing into a speculative asset, making homeownership unaffordable for younger generations. He argued Boomers didn't merely benefit from economic prosperity but actively dismantled policies that enabled affordable home purchases. 8–12x income ratios now face Millennials and Gen Z, compared to 2–4x income for Boomers, despite both groups often having dual incomes. The core issue, he contended, wasn't rising interest rates but deliberate policy choices: Boomers blocked density, apartments, and transit, restricted supply through restrictive zoning, and defunded public services, then blamed younger people for renting and low birth rates.

This created a scarcity-driven market where housing became a financialized necessity, not shelter. The man concluded Boomers' actions constituted the most selfish generation in modern America, prioritizing their own wealth accumulation over systemic fairness.