{"id":7032591,"date":"2026-08-07T21:12:44","date_gmt":"2026-08-07T21:12:44","guid":{"rendered":"https:\/\/peraltafinancing.com\/uncategorized\/734-qa-her-brother-owns-3-houses-is-that-why-we-have-a-housing-shortage\/"},"modified":"2026-08-07T21:12:44","modified_gmt":"2026-08-07T21:12:44","slug":"734-qa-her-brother-owns-3-houses-is-that-why-we-have-a-housing-shortage","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7032591","title":{"rendered":"#734: Q&amp;A: Her Brother Owns 3 Houses \u2014 Is That Why We Have a \u2018Housing Shortage\u2019?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div class=\"smart-track-player-container stp-color-ff5252-EEEEEE spp-stp-desktop\" data-uid=\"e28d986c\"><\/div>\n<div class=\"spp-shsp-form spp-shsp-form-e28d986c\"><\/div>\n<p><span style=\"font-weight: 400\"><img decoding=\"async\" src=\"https:\/\/affordanything.com\/wp-content\/uploads\/2022\/05\/Paula_author-1.png\">Is there really a housing shortage \u2014 or do we just have a lot of wealthy people buying up all the good stuff?<\/span><\/p>\n<p><span style=\"font-weight: 400\">That&#8217;s the question kicking off this episode.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Joe and I also help a woman simplify a $1.5 million portfolio she&#8217;s managing on her own for the first time.<\/span><\/p>\n<p><span style=\"font-weight: 400\">And we help a 26-year-old figure out whether paying off his mortgage or investing the difference gets him to financial independence faster.<\/span><\/p>\n<h2><b>Listen Here<\/b><\/h2>\n<p><a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/q-a-her-brother-owns-3-houses-is-that-why-we-have\/id1079598542?i=1000777778632\" target=\"_blank\" rel=\"noopener\"><strong>Apple Podcasts<\/strong><\/a><br \/>\n<a href=\"https:\/\/open.spotify.com\/episode\/1EbtaP9sOeipDbvulmVgYG?si=183cd7b0e16a48a2\" target=\"_blank\" rel=\"noopener\"><strong>Spotify<\/strong><\/a><\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" dir=\"ltr\" data-sourcepos=\"7:1-7:22;407-428\">Listener Questions<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"9:1-9:251;430-680\"><strong>Karen asks:<\/strong> My brother is a wealthy patent attorney who owns three vacation homes and might buy a fourth. Is the U.S. actually short on housing, or do we just have income inequality pushing wealthier people to buy up more of the available supply?<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"11:1-11:308;682-989\"><strong>Sarah asks:<\/strong> After a mini retirement, I let go of my financial planner and I&#8217;m now managing $1.5 million myself, split across a rollover IRA, Roth IRA, and taxable account \u2014 all invested in the same 13 funds. How do I simplify this down to three or four funds and make my asset allocation more efficient?<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"13:1-13:309;991-1299\"><strong>Michael asks:<\/strong> I&#8217;m 26, single, and about to buy a $350,000 house. When I run the numbers, paying off the mortgage versus investing the difference gets me to financial independence in about the same amount of time, but paying it off gives me a lower withdrawal rate. Am I thinking about this the right way?<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" dir=\"ltr\" data-sourcepos=\"15:1-15:17;1301-1317\">Key Takeaways<\/h2>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1\" dir=\"ltr\" data-sourcepos=\"17:1-21:337;1319-2843\">\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"17:1-17:326;1319-1644\"><strong>Housing Shortage Estimates Vary Wildly by Methodology:<\/strong> Estimates range from 1.2 million to 10 million units depending on the data source and whether uncounted &#8220;household formation&#8221; is included, but every major estimate agrees a real shortage exists \u2014 with a rough consensus around four to five million units nationwide.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"18:1-18:265;1645-1909\"><strong>National Housing Stats Hide Local Reality:<\/strong> The shortage is concentrated in entry-level homes in coastal metros like New York and LA, not the luxury vacation markets wealthy buyers shop in \u2014 while some Midwest and Sun Belt metros are close to balanced supply.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"19:1-19:348;1910-2257\"><strong>Asset Location Beats Fund Count:<\/strong> Cutting down the number of funds you own doesn&#8217;t automatically make a portfolio better. What matters more is asset location \u2014 putting your fastest-growing assets in tax-exempt accounts and matching each account&#8217;s tax treatment to the right holdings, instead of copying the same allocation into every account.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"20:1-20:249;2258-2506\"><strong>Know Why You Own What You Own:<\/strong> Understanding the actual reason behind each position \u2014 not just chasing an efficient frontier or a model portfolio \u2014 makes it far less likely you&#8217;ll panic and blow up your strategy when market conditions change.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"21:1-21:337;2507-2843\"><strong>A 30-Year Mortgage Can Buy You Optionality:<\/strong> Taking the lower monthly payment of a 30-year mortgage, even at a slightly higher rate, preserves flexibility during major life changes \u2014 which can matter more than a small &#8220;expected return&#8221; edge on paper, especially in your 20s and 30s or when transitioning to less predictable income.<\/li>\n<\/ul>\n<div class=\"smart-track-player-container stp-color-ff5252-EEEEEE spp-stp-desktop\" data-uid=\"e28d986d\"><\/div>\n<div class=\"spp-shsp-form spp-shsp-form-e28d986d\"><\/div>\n<h2 data-path-to-node=\"8\"><b data-path-to-node=\"8\" data-index-in-node=\"0\">Resources<\/b><\/h2>\n<p>Free cheat sheet: which investments belong in which account: <a href=\"https:\/\/affordanything.com\/assetlocation\">https:\/\/affordanything.com\/assetlocation<\/a><br \/>\n7 Expensive Rental Property Mistakes to Avoid (free guide): <a href=\"https:\/\/affordanything.com\/rent\">https:\/\/affordanything.com\/rent<\/a><br \/>\nPractical Investing and the Efficient Frontier, with Joe Saul-Sehy: <a href=\"https:\/\/www.youtube.com\/watch?v=Tz59b5H5puw\">https:\/\/www.youtube.com\/watch?v=Tz59b5H5puw<\/a><br \/>\n\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014<br \/>\nSubmit your own question for a future episode: <a href=\"https:\/\/affordanything.com\/voicemail\">https:\/\/affordanything.com\/voicemail<\/a><br \/>\n\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014<br \/>\nStay in the loop \u2013 <a href=\"https:\/\/affordanything.com\/newsletter\">https:\/\/affordanything.com\/newsletter<\/a><br \/>\n\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014-<br \/>\nJoin our community \u2013 <a href=\"https:\/\/affordanything.com\/community\">https:\/\/affordanything.com\/community<\/a><\/p>\n<h2><b>Chapters<\/b><\/h2>\n<p><i>Note: Timestamps are approximate and may vary across listening platforms due to dynamically inserted ads.<\/i><\/p>\n<p>(01:41) Is America&#8217;s housing shortage actually real?<br \/>\n(06:29) The real numbers behind the housing shortage<br \/>\n(14:29) A stunning stat on building permits vs. new jobs<br \/>\n(24:32) A simple way to add housing and earn more<br \/>\n(28:23) A caller&#8217;s plan to retire in 15 years<br \/>\n(33:01) Which accounts should hold which investments<br \/>\n(40:22) Why more funds can beat fewer funds<br \/>\n(52:19) A costly bias that skews money decisions<br \/>\n(58:46) Should a 26-year-old rush to pay off his mortgage?<br \/>\n(1:09:04) A gut-check for choosing between two paths<\/p>\n<p>Thanks to our sponsors!<\/p>\n<p><a href=\"http:\/\/policygenius.com\/\" target=\"_blank\" rel=\"noopener\"><strong>Policy Genius<\/strong><b><br \/>\n<\/b><\/a>Secure your family\u2019s future with Policygenius. Head to\u00a0<strong><a href=\"http:\/\/policygenius.com\/\" target=\"_blank\" rel=\"noopener\">Policygenius.com<\/a><\/strong>\u00a0to compare life insurance quotes from top companies and see how much you could save.<br \/>\n<b><\/b><\/p>\n<hr \/>\n<p><a href=\"https:\/\/www.monarch.com\/\" target=\"_blank\" rel=\"noopener\"><b>Monarch<br \/>\n<\/b><\/a>Use code\u00a0<strong>AFFORD<\/strong>\u00a0at\u00a0<strong><a href=\"https:\/\/www.monarch.com\/\" target=\"_blank\" rel=\"noopener\">Monarch.com<\/a><\/strong>\u00a0to get your first year of Monarch Core half off at just $50.<\/p>\n<hr \/>\n<p><a href=\"https:\/\/www.mintmobile.com\/?utm_source=podcast&amp;utm_medium=audio&amp;utm_campaign=mint_podcast&amp;utm_content=paula&amp;dnfemfkahqkdlf=paula\" target=\"_blank\" rel=\"noopener\"><b>Mintmobile<br \/>\n<\/b><\/a>If you like your money, Mint Mobile is for you. Shop plans at\u00a0<a href=\"https:\/\/www.mintmobile.com\/?utm_source=podcast&amp;utm_medium=audio&amp;utm_campaign=mint_podcast&amp;utm_content=paula&amp;dnfemfkahqkdlf=paula\" target=\"_blank\" rel=\"noopener\"><strong>Mintmobile.com\/paula<\/strong><\/a><\/p>\n<hr \/>\n<p><a href=\"https:\/\/prolonlife.com\/?utm_medium=referral&amp;utm_source=Podcast&amp;utm_campaign=audio&amp;utm_content=paula\" target=\"_blank\" rel=\"noopener\"><b>Prolon<br \/>\n<\/b><\/a>Ready for your own reset? Get 15% off sitewide plus a $40 bonus gift on Prolon&#8217;s 5-Day Program at <strong><a href=\"https:\/\/prolonlife.com\/?utm_medium=referral&amp;utm_source=Podcast&amp;utm_campaign=audio&amp;utm_content=paula\">ProlonLife.com\/PAULA.<\/a><\/strong><\/p>\n<hr \/>\n<p><b><a href=\"https:\/\/www.quince.com\/shop\/women\/best-sellers?utm_source=veritone&amp;utm_medium=podcast&amp;utm_campaign=paula\" target=\"_blank\" rel=\"noopener\">Quince<\/a><br \/>\n<\/b>Make your summer wardrobe feel easier. Go to\u00a0<strong><a href=\"https:\/\/www.quince.com\/shop\/women\/best-sellers?utm_source=veritone&amp;utm_medium=podcast&amp;utm_campaign=paula\" target=\"_blank\" rel=\"noopener\">Quince.com\/paula<\/a><\/strong>\u00a0for free shipping on your order and 365-day returns. Now available in Canada too!<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"1:1-1:110;0-109\"><img decoding=\"async\" src=\"https:\/\/affordanything.com\/wp-content\/uploads\/2022\/05\/Paula_author-1.png\"><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Is there really a housing shortage \u2014 or do we just have a lot of wealthy people buying up all the good stuff? That&#8217;s the question kicking off this episode. Joe and I also help a woman simplify a $1.5 million portfolio she&#8217;s managing on her own for the first time. And we help a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7032592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[195957,109395,185949,116668,133985,195958,195959,96,195960,136958,195961,195962,12377,99,113468,12414,195963,195964,115703],"tags":[183946,6881,185956,39622,39628,78763,14679,13350,195965,195966,11008,91643,195967,195968,32939,19339,14728,57758,34726,195969,195970,195971],"dealstore":[],"offerexpiration":[],"class_list":["post-7032591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asset-allocation","category-episodes","category-etf-investing","category-financial-freedom","category-financial-independence","category-fire-movement","category-housing-shortage","category-investing","category-investing-for-beginners","category-mortgage","category-pay-off-mortgage-early","category-pay-off-mortgage-or-invest","category-personal-finance","category-real-estate","category-real-estate-investing","category-retirement","category-simplify-investment-portfolio","category-three-fund-portfolio","category-wealth-building","tag-asset-allocation","tag-brother","tag-etf-investing","tag-financial-freedom","tag-financial-independence","tag-fire-movement","tag-houses","tag-housing","tag-housing-shortage","tag-investing-for-beginners","tag-mortgage","tag-owns","tag-pay-off-mortgage-early","tag-pay-off-mortgage-or-invest","tag-personal-finance","tag-qampa","tag-real-estate","tag-real-estate-investing","tag-shortage","tag-simplify-investment-portfolio","tag-three-fund-portfolio","tag-wealth-building"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>#734: Q&amp;A: Her Brother Owns 3 Houses \u2014 Is That Why We Have a \u2018Housing Shortage\u2019? - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=7032591\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"#734: Q&amp;A: Her Brother Owns 3 Houses \u2014 Is That Why We Have a \u2018Housing Shortage\u2019? - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Is there really a housing shortage \u2014 or do we just have a lot of wealthy people buying up all the good stuff? 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That&#8217;s the question kicking off this episode. Joe and I also help a woman simplify a $1.5 million portfolio she&#8217;s managing on her own for the first time. 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