u/McFatty7

By default, it's set to 2 minutes, which effectively calculates the fastest route, but sometimes not the route you want.

Maybe the route you want has:

• smoother roads,
• fewer turns,
• fewer stop signs,
• fewer traffic lights,
• no roadwork construction,
• no Flock cameras, etc.

By increasing the threshold to 10+ minutes, you won't have to disengage FSD just to make a specific turn you want, or to go past a highway exit you don't want.

Tesla Car Settings > Navigation > Online Routing > Reroute to save

• 2026 is on track to be the weakest housing year since 2011, with home sales falling to roughly 4.7 million.
• Mortgage rates remain elevated, expected to sit around 6.5% in 2026 and may only ease slightly through 2028.
• Home prices flatline, with 0% growth in 2026 and only modest gains afterward.

• 25.2 million U.S. adults under 35 lived with their parents in 2025, a record high, even above pandemic levels.
• Most are employed, but wages haven’t kept up with inflation, making independent living unaffordable.
• Rent and home prices have risen faster than incomes, pushing homeownership out of reach.
• Fewer than 4 in 10 non‑homeowner households can afford a typical starter home.
• Many young adults move home to save money, like the example of a 34‑year‑old earning ~$60K who says living alone realistically requires ~$85K.

• HOA foreclosures are rising sharply, with filings up about 40 percent over two years.
• Associations are tightening enforcement because insurance, maintenance, and repair costs have surged.
• Many HOAs have depleted reserves, so even a few delinquent owners can destabilize the entire budget.
• About 20 states give HOAs super-priority lien status, allowing foreclosure even when the mortgage is current.
• Legal fees and penalties accumulate quickly, turning small missed payments into large debts that trigger foreclosure.
• Post‑Surfside safety rules and soaring insurance premiums are hitting older condo communities hardest, leading to special assessments and financial strain.

• Ryan Serhant says the U.S. housing market has split into four distinct groups due to mortgage rates reshaping buyer behavior.
• The four groups are:
  • Cash buyers: Unaffected by rates, operating in their own market.
  • Financed buyers: Facing ~6.5% mortgage rates and affordability constraints.
  • Homeowners with ~3% mortgages: “Imprisoned in their own homes” because selling means giving up ultra‑low rates.
  • Builders: Must sell regardless of conditions and are offering aggressive incentives.
• Historically, cash and financed buyers competed on similar terms. Today, the gap is huge.
• The market is becoming more balanced, but affordability remains the top barrier for buyers.
• Mortgage rates recently climbed to 6.58%, the highest in nearly 11 months.
• Median U.S. existing‑home sale price hit a record $408,776.
• Builders are offering incentives (e.g., covering property taxes) to move inventory, making it hard for existing homeowners to compete.
• Middle‑class homeowners who bought recently are struggling most because they can’t match builder incentives.
• Buyers are becoming more location‑agnostic, expanding searches to places like Long Island’s North Fork, the Carolinas, Portugal, and Spain.

Is it really a surprise that a real estate broker only focuses on interest rates, instead of the real problem, which is the price of a home (which is only briefly mentioned)?

• Buyer representation agreements are now mandatory before touring homes, a rule created after the 2024 NAR legal settlement, and many buyers are signing binding contracts without understanding them.
• These agreements can include long lockups, high commissions, junk fees, and obligations, even if the buyer leases instead of buys, trapping consumers with agents they don’t want.
• Agents often present the contracts at the doorstep right before a tour, giving buyers little time to read dense legal language or negotiate terms.
• The agreements vary widely, exclusive vs. non‑exclusive, one day to one year, negotiable fees, but buyers rarely realize how much is negotiable or how costly termination can be.
• Consumer advocates say the new system hasn’t lowered commissions or improved transparency, and buyers must now interview agents, scrutinize terms, and understand they could owe thousands if they sign blindly.

Gov. Mikie Sherrill signed the FAIR Act, a new state law that restricts landlords from using rent‑setting algorithms, especially tools like RealPage, which officials say have been used to coordinate rent hikes.

The law:

• Bans using sensitive market data (rental prices, supply levels, occupancy, lease‑end dates) in rent‑setting algorithms
• Prohibits landlords from coordinating rent increases through shared software
• Takes effect next summer

Sherrill calls algorithmic pricing “collusion by algorithm” and says it’s worsening the state’s affordability crisis.

• Living with parents has become financially rational, not a social failure. High housing costs, rent spikes, and student debt have pushed many young adults to move back home.
• Nearly half of Americans under 30 now live with a parent, according to the Federal Reserve’s survey data referenced in the visible portion.
• The stigma has faded. Social media trends like “stay‑at‑home daughters/sons” normalize and even celebrate the arrangement.
• Economic pressure reshapes adulthood milestones — delaying moving out, family formation, and home buying.
• Parents and adult children are adjusting to new norms, negotiating boundaries, chores, rent contributions, and privacy.
• Multigenerational living is influencing housing design, including increased interest in accessory dwelling units (ADUs).
• Personal stories highlight the trend:
  • Young adults moving home after job loss or breakups
  • Families treating it as a long‑term arrangement
  • Adult children helping with household tasks instead of paying full rent
  • Parents delaying downsizing because kids stay longer

• Property taxes are surging and destabilizing budgets. 76% of homeowners say taxes ran higher than expected, two‑thirds were shocked by their latest bill, and 40% have considered moving because of them.
• Insurance premiums have exploded 46% since 2021, rising 12% in 2025, and projected to rise another 4% in 2026; disaster‑exposed states like Florida face ~$8,500 premiums.
• The “fixed” mortgage isn’t fixed anymore. Escrow payments jump annually because taxes and insurance reset. Homeowners only learn of increases when the escrow letter arrives.
• Maintenance is the highest hidden cost. Total hidden homeownership costs exceed $21,000/year, with maintenance alone averaging $8,808, often more than the mortgage itself.
• Condo/HOA fees escalate over time, especially in luxury buildings where maintaining a certain standard of living adds unexpected recurring expenses.
• Recurring costs determine long‑term affordability. The down payment and rate get buyers in the door, but taxes, insurance, maintenance, utilities, and assessments determine whether they can afford to stay.

• The Big 4 “finishing school” model is collapsing. Firms are no longer seen as elite identity‑shaping institutions, but rather just another large employer.
• Offshoring has quietly gutted early‑career development, removing the peer‑pressure ecosystem that once socialized auditors into overwork and presenteeism.
• Academic research shows the old system relied on implicit disciplinary power. Auditors internalized long hours, constant visibility, and collective responsibility without explicit rules.
• Recruiting power has flipped. Applicant pools have shrunk so dramatically that firms now hire nearly everyone, dropping 3–4 traditional “required boxes.”
• Prestige and selectivity have eroded, making new hires feel less “special” and worsening the profession’s reputation relative to other fields with better pay.
• Retention is deteriorating even faster, turning the once‑stable talent pyramid into a “sick Christmas tree” as departures accelerate at all levels.

• Monthly ownership costs hit ~$3,200, up 46% since 2019 in real terms, now higher than in 1990 despite far lower mortgage rates.
• Home prices surged 54% since 2020, with 73 of the top 100 metros up more than 50%; taxes (+31%) and insurance (+72%) piled on additional cost pressure.
• Starter homes now reach $1M in a growing number of cities, per Zillow.
• Homeownership rate fell again in 2025, with the steepest drop among under‑35s; household formation is weakening as young adults stay with family or double up.
• Drivers of weak demand:
  • soft job market
  • heavier student debt
  • rising pessimism
  • AI‑related economic anxiety
• Congress is close to passing the 21st Century Road to Housing Act, a bipartisan package of ~50 measures, including a cap on institutional ownership of single‑family homes.

• One-third of adults aged 18–34 (25.2 million people) still live with their parents, a figure that has remained nearly unchanged since the pandemic peak.
• Housing costs are the primary driver: since 2019, median home prices are up 34% to $430,000, and median rent is up 18% to $1,673.
• Most young adults living at home are employed, and many have college degrees, contradicting stereotypes about idleness.
• Co‑living has risen across older age brackets: 4.5M adults aged 25–29 and 3M aged 30–34 still live with parents.

• The U.S. is short 1–5 million homes, and the shortage is now so severe that a broad consensus has formed around the need to build more.
• Every major solution creates winners and losers: cheaper housing helps renters and new buyers, but can reduce returns for investors and existing homeowners.
• Five major solution paths are emerging:
  1. Zoning reform + red‑tape reduction
  2. Cheaper construction financing
  3. Modular / prefab construction
  4. Starter‑home–focused land‑use reform
  5. Social housing expansion

>but can reduce returns for investors and existing homeowners.

And there's the problem. Homes should never have been an investment at all.

Boomers, whose retirement nest egg is locked away in their home, thought they could just ride off into the sunset by offloading their:

• overpriced
• deferred-maintenance
• rising carrying costs

shitshack onto a sucker, never anticipated that the buyers could just wait them out until home prices go down substantially.

It's not like boomers are getting any younger.