US homebuyers are getting older—way older. The median age just hit 61, while first-time buyers dropped to a historic 21%.

And here's the kicker: Trump's administration is rolling out a 50-year mortgage plan. Yes, half a century to pay off a house.

First-time buyers are also older than ever before. The barrier to entry keeps climbing as housing affordability reaches crisis levels. When the typical buyer is retirement age and newcomers represent barely a fifth of the market, something's fundamentally broken.

A 50-year mortgage might sound like relief, but it's really just stretching the pain across two generations. Lower monthly payments, sure—but you'll pay multiples more in interest over time. It's a band-aid on a structural wound.

The real question: are we solving the housing crisis, or just making it easier to stay trapped in debt longer?

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