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161        url('/pf/resources/fonts/DroidSerif/DroidSerif-Bold.ttf?d=1373') format('truetype');
162    font-display: swap;
163  }
164</style>
164<script id="cmg-powa-events">
165            PoWaSettings = window.PoWaSettings || {};
166            PoWaSettings.hlsjs = { version: "1.5.7" };
167            window.cmgCustomPoWaEvents = {
168              MANUAL_PLAY: 'manualPlay',
169              MANUAL_PAUSE: 'manualPause',
170              MANUAL_PREROLL_PAUSE: 'manualPrerollPause',
171              AUTO_PREROLL_PAUSE: 'autoPrerollPause',
172              AUTO_PAUSE: 'autoPause',
173              AUTO_PLAY_PVP: 'autoPlayPvp',
174              CTRL_MUTE_CLICKED: 'scrubberMuteClicked',
175              CTRL_UNMUTE_CLICKED: 'scrubberUnmuteClicked',
176              CTRL_PVP_MUTE_CLICKED: 'scrubberPvpMuteClicked',
177              CTRL_PVP_UNMUTE_CLICKED: 'scrubberPvpUnmuteClicked',
178              FULLSCREEN_EXPAND_PVP: 'playerPvpFullscreenExpand',
179              FULLSCREEN_EXPAND_VOD: 'playerVodFullscreenExpand',
180              FULLSCREEN_COLLAPSE_PVP: 'playerPvpFullscreenCollapse',
181              FULLSCREEN_COLLAPSE_VOD: 'playerVodFullscreenCollapse',
182            }
183
184            window.addEventListener('powaRender', async (event) => {
185              if(event.detail.id) {
186                const player = event.detail.powa;
187                const metadata = event.detail;
188
189                const t = {
190                  adInsertion: false,
191                  powa: player,
192                  videoData: metadata,
193                }
194
195                const adTag = await window.PoWaSettings?.advertising?.adTag(t);
196
197                if (adTag) {
198                  const adsIndex = adTag.indexOf('ads?');
199                  let newAdTag = '';
200                  
201                  if (adsIndex !== -1) {
202                    const remainingPart = adTag.slice(adsIndex + 4);
203                    newAdTag = `${adTag.slice(0, adsIndex + 4)}placement=1&plcmt=1&${remainingPart}`;
204                  } else {
205                    newAdTag = `${adTag}&placement=1&plcmt=1`;
206                  }
207                  window.PoWaSettings.advertising.adTag = newAdTag;
208                  player.getAdTag = newAdTag || '';
209                }
210              }
211            });
212          </script>
212<script id="powaBootScript" defer="" src="https://cmg.video-player.arcpublishing.com/prod/powaBoot.js?org=cmg" data-powa-script="true" data-loaded-via="powa-manifest"></script>
212<script id="powaScript" src="https://cmg.video-player.arcpublishing.com/prod/powa.js?org=cmg" defer=""></script>
212<script id="powaCmgScript" src="https://cmg.video-player.arcpublishing.com/prod/org/cmg.js?org=cmg" data-powa-script="true" defer=""></script>
212<script id="powaCmgScriptLoadSignal">
213            document.getElementById('powaCmgScript').addEventListener("load", (evt) => { evt.target.setAttribute('data-load', true) });
214          </script>
214<script defer="" src="//d3plfjw9uod7ab.cloudfront.net/25c1969e-45d1-4058-b569-3f26d241ae82.js" type="text/javascript"></script>
214<script id="yallScript" type="text/javascript" defer="" src="/pf/resources/js/yall.min.js?d=1373"></script>
214<script id="utilsScript" type="text/javascript" defer="" src="/pf/resources/js/utils.js?d=1373"></script>
214<script type="text/javascript">
215              window._mNHandle = window._mNHandle || {};
216              window._mNHandle.queue = window._mNHandle.queue || [];
217              medianet_versionId = "3121199";</script>
217<script id="facebookSdk" defer="" src="https://connect.facebook.net/en_US/sdk.js"></script>
217<script id="twitterWidget" defer="" src="https://platform.twitter.com/widgets.js"></script>
217<script id="katzStandardDIL" defer="" src="/pf/resources/js/dil.js?d=1373"></script>
217<script id="katzVisitorAPI" defer="" src="/pf/resources/js/visitorapi.min.js?d=1373"></script>
217<script id="gtmScript">(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
218    new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
219    j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.defer=true;j.src=
220    'https://www.googletagmanager.com/gtm.js?id='+i+dl;j.setAttributeNode(d.createAttribute('data-ot-ignore'));
221    f.parentNode.insertBefore(j,f);
222    })(window,document,'script','dataLayer','GTM-KXX5GGC');</script>
222<script id="fireEventHelper">window.fireEvent = function (type, detail) {
223          if (!detail) detail = {};
224          if (typeof window.CustomEvent === 'function') return window.dispatchEvent(new CustomEvent(type, { detail: detail }));
225          const event = document.createEvent('CustomEvent');
226          event.initCustomEvent(type, false, false, detail);
227          window.dispatchEvent(event);
228        };</script>
228<script id="cmgSPAEvents">
229        // Fix ads and metrics
230        window.addEventListener('DOMContentLoaded', () => console.log('[SPA] DOMContentLoaded'));
231        window.addEventListener('LoadingSpa', (event) => {
232          console.log('[SPA] LoadingSpa', event.detail);
233        });
234
235        window.addEventListener('BeforeSpaRender', () => {
236          console.log('[SPA] BeforeSpaRender');
237          const pvpDiv = document.getElementById('pvp');
238          if(
239            Fusion.metas &&
240            Fusion.metas['page-theme'] &&
241            Fusion.metas['page-theme'].value === 'dark'
242          ) {
243            document.body.classList.add('background_dark');
244          } else {
245            document.body.classList.remove('background_dark');
246          }
247
248          window.arcSpaNavigateInSite = true;
249
250          window.googletag && window.googletag.destroySlots();
251          if (window.google_tag_manager) {
252            const GTMKey = window.Fusion.getProperties(window.Fusion.arcSite).analytics.GTMKey
253            if (GTMKey) {
254              window.google_tag_manager[GTMKey].dataLayer.reset();
255            }
256          }
257        });
258
259        window.addEventListener('AfterSpaRender', () => {
260          console.log('[SPA] AfterSpaRender');
261
262          window.powaBoot();
263
264          const osanoConsent = !!window.Osano.cm.optOut ? "0" : "1";
265
266          (self.COMSCORE && COMSCORE.beacon({c1: "2", c2: "34359690", "cs_ucfr": osanoConsent,
267            options: {
268              enableFirstPartyCookie: true
269            }
270          }));
271
272          const navPath = window.location.pathname;
273          const currentSectionLevel = navPath.split('/');
274          // underlines menu only if it is a top level page on TV
275          if (currentSectionLevel[1] && !currentSectionLevel[2]) {
276            document.querySelector("#main-nav .horizontal-links-bar")?.querySelectorAll("a").forEach(link => {
277              const linkPath = new URL(link.href).pathname;
278              navPath === linkPath ? link.classList.add("underline") : link.classList.remove("underline");
279            });
280          }
281
282          dataLayer && dataLayer.push({ ...window.initialDataLayer, event: 'spaNavigation' });
283
284          // removes nav-open when transitioning to a new page, handles nav section navigation
285          if (document.body && document.body.classList.contains("nav-open")) {
286            document.body.classList.remove("nav-open");
287          }
288
289          //maintain PVP player sizes mini,tease, full on SPA Navigation
290          //This is moved from useEffect to avoid player size changes flickering on nav
291          const touchScreenDevice = 'ontouchstart' in window || navigator.maxTouchPoints > 0 || navigator.msMaxTouchPoints > 0;
292          if (document.getElementById('pvp_player_drag')) {
293            const pvpWrapper = document.getElementById('pvp');
294            let previousSize = '';
295            for (let i = 0; i < pvpWrapper.classList.length; i += 1) {
296              if (/pvp--.*/.test(pvpWrapper.classList[i])) previousSize = pvpWrapper.classList[i];
297            }
298            const playerDiv = document.getElementById('pvp__player');
299            if (playerDiv.className === 'full') pvpWrapper.classList.replace(previousSize, 'pvp--fullSize');
300            else if (playerDiv.className === 'tease') pvpWrapper.classList.replace(previousSize, 'pvp--teaseSize');
301            else if (playerDiv.className === 'mini') pvpWrapper.classList.replace(previousSize, 'pvp--miniSize');
302          }
303
304          // Force reload if something is broken
305          if (!document.body || !document.body.children.length) {
306            console.log('[SPA] Page Broken detected, reloading...');
307            dataLayer && dataLayer.push({ event: 'spaRenderFailed' });
308            window.location.reload();
309          }
310        })</script>
310<script id="sgConfigData">window.sgStationId="mia991";</script>
310<script id="sgIMASDK" defer="" src="https://imasdk.googleapis.com/js/sdkloader/ima3.js"></script>
310<script id="adswizzSyncClient" defer="" src="https://cdn.adswizz.com/adswizz/js/SynchroClient2.js"></script>
310<script id="adswizzScript" defer="" src="https://synchrobox.adswizz.com/register2.php"></script>
310<script id="sgPlayerScript" defer="" src="https://player.streamguys.com/cmg/persistent/sgplayer/2-6-12b/include/js/sgplayer.min.js"></script>
310<script id="sgConfig" defer="" src="/pf/resources/js/sgConfig.js?d=1373"></script>
310<script id="taboola-1" type="text/javascript">
311                      (function () {
312    // ===== Fill in your values, as provided by Taboola =====
313    var PUBLISHER_ID = 'cox-network';
314    var PAGE_TYPE    = 'story';
315    // =======================================================
316
317    var LOADER_URL         = '//cdn.taboola.com/libtrc/'       + PUBLISHER_ID + '/loader.js';
318    var LOADER_PRIVACY_URL = '//static.tblcontent.com/libtrc/' + PUBLISHER_ID + '/loader.privacy.js';
319    var PIXEL_URL          = 'https://static.qovani.com/libtrc/tr5?type=pixel&publisher=' + PUBLISHER_ID;
320    var SCRIPT_ID          = 'tb_loader_script';
321
322    window._taboola = window._taboola || [];
323
324    var pageTypePush = {};
325    pageTypePush[PAGE_TYPE] = 'auto';
326    _taboola.push(pageTypePush);
327
328    new Image().src = PIXEL_URL;
329
330    var firstScript = document.getElementsByTagName('script')[0];
331
332    function injectLoader(id, src, fallbackSrc) {
333        if (document.getElementById(id)) return;
334        var s = document.createElement('script');
335        s.async = true;
336        s.src   = src;
337        s.id    = id;
338        if (fallbackSrc) {
339            s.onerror = function () {
340                if (s.parentNode) s.parentNode.removeChild(s);
341                injectLoader(SCRIPT_ID + '_fb', fallbackSrc, null);
342            };
343        }
344        firstScript.parentNode.insertBefore(s, firstScript);
345    }
346
347    injectLoader(SCRIPT_ID, LOADER_URL, LOADER_PRIVACY_URL);
348
349    if (window.performance && typeof window.performance.mark === 'function') {
350        window.performance.mark('tbl_ic');
351    }
352})();</script>
352<script id="taboola-2" type="text/javascript">
353window.addEventListener('LoadingSpa', e => {
354    if (e && e.detail === 20) {
355      window._taboola_spa_render = true;
356      window._taboola_new_page_load_triggered = false;
357    }
358});
359window.addEventListener('AfterSpaRender', () => {
360    console.log('[Taboola] pushing', { notify: 'newPageLoad' });
361    window._taboola.push({ notify: 'newPageLoad' });
362    window._taboola_new_page_load_triggered = true;
363    window.dispatchEvent(new Event('TaboolaNewPageLoad'));
364});</script>
364<script id="openweb-2">
365                  const startOpenWebSSO = ({ email, idToken }) => {
366                    console.log('[OW] called startOpenWebSSO()');
367                    const owSSOCallback = function (codeA, completeSSOCallback) {
368                      const mcOwSSOUri = "https://member-center-api.cmg.com/api/v1/comments/auth/?site=cmg-rd-20073&email=" + email;
369                      console.log('[OW] owSSOCallback()');
370                      fetch(mcOwSSOUri, {
371                        method: 'POST',
372                        headers: {
373                          Authorization: idToken,
374                        },
375                        body: codeA,
376                      })
377                        .then(res => res.text())
378                        .then((codeB) => {
379                          console.log('[OW] codeB received');
380                          completeSSOCallback(codeB);
381                        }).catch((e) => {
382                          console.log('[OW] Handshake error:', e);
383                          completeSSOCallback(null, e);
384                        });
385                    };
386                    if (window.SPOTIM) {
387                      window.SPOTIM.startSSO({
388                        callback: owSSOCallback,
389                        userId: btoa(email),
390                      }).then(function(userData) {
391                        console.log('[OW] startSSO response received');
392                      })
393                      .catch(function(e) {
394                        console.log('[OW] startSSO error', e);
395                      });
396                    }
397                  };
398                  window.startOpenWebSSO = startOpenWebSSO;
399
400                  document.addEventListener('spot-im-login-start', (event) => {
401                    window.mcsdk.openLoginWindow();
402                  });
403                  document.addEventListener('spot-im-user-logout', (event) => {
404                    console.log('[OW] spot-im-user-logout - heard');
405                  });
406                 </script>
406<script id="arena-1">
407                   class ArenaSSO {
408                     mcUser = {};
409                     constructor() {
410                       this.ssoBackendUrl = "https://member-center-api.cmg.com/api/v1/comments/arena/auth/?site=cmg-rd-20073&arenaSlug=99-jamz";
411                       this.isArenaLoaded = false;
412                       document.addEventListener("arena-loaded", () => {
413                         this.isArenaLoaded = true;
414                       });
415                     }
416                     async getJWTToken() {
417                       const url = this.ssoBackendUrl + "&email=" + this.mcUser.email;
418                       const response = await fetch(url, {
419                         method: "POST",
420                         headers: {
421                           "Content-Type": "application/json",
422                           "Authorization": this.mcUser.idToken,
423                         },
424                       });
425                       const data = await response.json();
426                       return data.token;
427                     }
428
429                     async authenticateUser() {
430                       if (!this.isArenaLoaded) {
431                         console.log("[ARENA] Arena not loaded");
432                         return;
433                       }
434                       if (!this.mcUser.email) {
435                         console.log("[ARENA] No user set");
436                         return;
437                       }
438                       const jwtToken = await this.getJWTToken();
439                       const result = await window.arena.auth.ssoV2Exchange(jwtToken);
440                     }
441
442                     async login() {
443                       await this.authenticateUser();
444                     }
445
446                     logout() {
447                       console.log('[ARENA] logout()');
448                       if (window.arena && window.arena.auth && window.arena.auth.logout) {
449                         window.arena.auth.logout();
450                       }
451                     }
452                   }
453
454                   document.addEventListener("DOMContentLoaded", () => {
455                     window.arenaSSO = new ArenaSSO();
456                   });
457
458                   document.addEventListener('arena-comments-custom-login', (event) => {
459                     console.log('[ARENA] Custom login modal triggered:', event);
460                     window.mcsdk?.openLoginWindow();
461                   });
462                   document.addEventListener('arena-comments-custom-logout', (event) => {
463                     console.log('[ARENA] Custom login modal triggered:', event);
464                     window.mcsdk?.openLogoutWindow();
465                   });
466
467                   window.arena = window.arena || {};
468                   window.arena.auth = window.arena.auth || {};
469                   window.arena.auth.handleAccountClick = function () {
470                     console.log('[ARENA] Account clicked');
471                     window.mcsdk?.openLoginWindow();
472                   }
473                 </script>
473<script id="nativo-1" type="text/javascript" defer="" src="https://s.ntv.io/serve/load.js"></script>
473<script id="nativo-2" type="text/javascript">
474              window.addEventListener('AfterSpaRender', () => {
475                console.log('[NATIVO] PostRelease.Start');
476                window.PostRelease && window.PostRelease.Start();
477              });
478            </script>
478<script id="CMG-PoWaSettings-Scrubber" type="text/javascript">
479          const s = document.createElement('script');
480          s.src = '/pf/resources/js/videoControls.js?d=1373';
481          s.defer = true;
482          s.id = 'videoControls';
483          document.head.appendChild(s);
484          
485          window.videoControlsIcons = {
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487            playPause: '<svg class="icon_powabar_play | powa-bar-play icon_xxs" viewBox="0 0 16 20"><path d="M1.88807 0.369795C1.22352 -0.0732417 0.333374 0.40315 0.333374 1.20185V18.7981C0.333374 19.5968 1.22352 20.0732 1.88807 19.6302L15.0853 10.832C15.679 10.4362 15.679 9.56377 15.0853 9.16794L1.88807 0.369795Z" fill="white"></path></svg><svg class="icon_powabar_pause | powa-bar-pause icon_xxs" viewBox="0 0 18 22"><path d="M0 20.6667C0 21.2189 0.447715 21.6667 1 21.6667H4.33333C4.88562 21.6667 5.33333 21.2189 5.33333 20.6667V1.33333C5.33333 0.781045 4.88562 0.333328 4.33333 0.333328H1C0.447716 0.333328 0 0.781044 0 1.33333V20.6667ZM13 0.333328C12.4477 0.333328 12 0.781044 12 1.33333V20.6667C12 21.2189 12.4477 21.6667 13 21.6667H16.3333C16.8856 21.6667 17.3333 21.2189 17.3333 20.6667V1.33333C17.3333 0.781045 16.8856 0.333328 16.3333 0.333328H13Z" fill="white"></path></svg>',
488            forward: '<svg class="icon_powabar_skip_forward | powa-bar-forward icon_xxs" viewBox="0 0 20 20"><path fill-rule="evenodd" clip-rule="evenodd" d="M15.377 5.05188L13.4898 6.35565C12.8448 6.80126 12.9401 7.78201 13.6588 8.09516L18.6005 10.2484C19.2611 10.5362 20 10.0521 20 9.33159V3.76439C20 2.95818 19.0949 2.48339 18.4316 2.94164L17.3126 3.71471C16.9351 3.22962 16.5125 2.78022 16.0492 2.37336C14.6828 1.17332 13.0163 0.390601 11.2362 0.11274C9.45609 -0.165122 7.63252 0.072832 5.96946 0.799988C4.3064 1.52714 2.86942 2.71483 1.81925 4.2302C0.769083 5.74557 0.147132 7.52888 0.0229623 9.38066C-0.101207 11.2324 0.277301 13.0797 1.11615 14.7158C1.955 16.3518 3.22112 17.7123 4.77289 18.6449C6.04683 19.4105 7.5374 19.8653 9.02739 19.9765C9.56759 20.0169 9.99988 19.5685 9.99988 19.0268V18.6447C9.99988 18.0818 9.53364 17.6352 8.97404 17.5741C7.91217 17.4583 6.84147 17.1236 5.94902 16.5873C4.76659 15.8766 3.80182 14.84 3.16263 13.5933C2.52344 12.3467 2.23502 10.9391 2.32963 9.52806C2.42425 8.11702 2.89817 6.75817 3.69838 5.60347C4.4986 4.44878 5.59356 3.54378 6.86079 2.98969C8.12802 2.43561 9.51756 2.25429 10.874 2.46602C12.2304 2.67775 13.5002 3.27417 14.5414 4.18858C14.8433 4.45373 15.1226 4.74259 15.377 5.05188Z"></path></svg>',
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557                  console.log('[Audience] adding widget.js');
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vendor: 1 bytes, line 573
573
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class="b-headline">Survey: Baby boomers won the housing market, and are the least convinced it worked</h1></div></div><div class="c-stack b-single-chain" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div class="c-stack b-single-chain__children-stack" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div class="b-cmg-lead-art"><div class="redesign-lead-art-container"><div class="redesign-lead-art "><div class="b-lead-art"><figure class="c-media-item"><button aria-label="Enter Fullscreen" class="c-button c-button--medium c-button--default" type="button"><span class="visually-hidden">Enter Fullscreen</span><svg class="c-icon" width="48" height="48" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" fill="currentColor" aria-hidden="true" focusable="false">
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462.278 32.6075 465.194 33.8108C468.109 35.0142 470.758 36.7817 472.988 39.0119C475.218 41.242 476.986 43.8909 478.189 46.8063C479.393 49.7217 480.008 52.8461 480 56.0001V168C480 189.4 454.11 200.1 439 185L402.81 148.8L295.54 256L402.82 363.3L439 327.1C454.1 311.9 480 322.6 480 344Z"></path></svg><span>Expand</span></button><div class="b-lead-art__image-wrapper"><img data-chromatic="ignore" alt="" class="c-image" loading="eager" src="https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/G33U76K5TA5TNJMENCM2LWN54E.jpg?smart=true&amp;auth=a1419c309ef1d7cebdbf752779b114ceaa5e81125a576096316d6065db7eb064&amp;width=1080&amp;height=607" srcSet="https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/G33U76K5TA5TNJMENCM2LWN54E.jpg?smart=true&amp;auth=a1419c309ef1d7cebdbf752779b114ceaa5e81125a576096316d6065db7eb064&amp;width=800&amp;height=449 800w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/G33U76K5TA5TNJMENCM2LWN54E.jpg?smart=true&amp;auth=a1419c309ef1d7cebdbf752779b114ceaa5e81125a576096316d6065db7eb064&amp;width=1600&amp;height=899 1600w" width="1080" height="607"/></div><figcaption class="c-media-item__fig-caption"><span class="c-media-item__caption">Hometap reports that baby boomers, despite having benefitted from homeownership, are the most skeptical about its fulfillment of the American Dream. </span><span class="c-media-item__credit">(Jelena Zelen // Shutterstock/Jelena Zelen // Shutterstock) </span></figcaption></figure></div></div></div></div><div data-fusion-lazy-id="f0fpfQlmRv4SbVU-2-1-1"><div class="cmg-share-bar"><button id="article-share-facebook" type="button" class="cmg-share-bar__button" aria-label="facebook share button"><svg class="icon_social_facebookAlt2" viewBox="6 6 32 32"><path d="M21.9389 37.9999L21.9532 37.9999H21.9482L21.9389 37.9999ZM22.0518 37.9999H22.0468L22.0611 37.9999L22.0518 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6006653 12.7847 28.5612 14.4427 30.3355C15.186 31.1512 16.2341 31.5999 17.3394 31.5999Z"></path></svg></button></div></div><div class="c-attribution b-byline"><span class="b-byline__by">By</span> <span class="b-byline__names">Josephine Cardenia for Hometap</span></div><time as="time" class="c-date b-date" dateTime="2026-10-08T19:00:06Z">October 08, 2026 at 3:00 pm EDT</time><div data-fusion-lazy-id="f0f4eUV1acESbWP-2-1-4"></div></div></div><article class="b-article-body"><div id="fusion-static-enter:article-html-block-DVR2YBAWRBCQFGED6AZVXELXMY" style="display:none" data-fusion-component="article-html-block-DVR2YBAWRBCQFGED6AZVXELXMY"></div><div class="b-article-body__html"><img src="https://analytics.stacker.com/tracking/42f7f923-5d35-4ad2-9a76-3264804f11f1/pixel.gif?source=feed" height="1" width="1" style="display:none" /></div><div id="fusion-static-exit:article-html-block-DVR2YBAWRBCQFGED6AZVXELXMY" style="display:none" data-fusion-component="article-html-block-DVR2YBAWRBCQFGED6AZVXELXMY"></div><p class="c-paragraph">When it comes to homeownership, baby boomers are the generation that won, so to speak.</p><p class="c-paragraph">They bought homes when prices were a fraction of what they are today, watched their equity climb for decades, and now hold <a href="https://freddiemac.gcs-web.com/news-releases/news-release-details/silver-tsunami-likely-bring-wave-wealth-children-baby-boomer" target="_blank">roughly half of all the home equity</a>&nbsp;in the country. If any generation should feel like homeownership delivered on its promise, it's this one.</p><p class="c-paragraph">Yet when asked whether homeownership has lived up to its billing as a cornerstone of the American Dream, baby boomers were the most skeptical generation of all. In a recent <a href="https://www.hometap.com/blog/homeownership-american-dream-survey" target="_blank">American Dream survey of homeowners</a>&nbsp;conducted by <a href="https://www.hometap.com/?utm_source=stacker&amp;utm_medium=content&amp;utm_campaign=how-much-does-it-cost-to-raise-a-child" target="_blank">Hometap</a>, baby boomers were the only age group whose single most common word for the state of that dream was "eroding," and they had the lowest share of any generation to say the dream has "fully delivered."</p><p class="c-paragraph">That's the paradox: The homeowners who generally had it easiest are the least convinced homeownership has delivered. For younger homeowners, or people hoping to become one, that gap says something about the road ahead.</p><h3 class="b-article-body__h3">Why the Generation That ‘Won’ Is the Most Skeptical</h3><p class="c-paragraph">Skepticism about homeownership might be expected to track with hardship — the people struggling most to buy a home would be the most disillusioned about the experience. The survey data shows something more surprising.</p><p class="c-paragraph">Asked which single word best describes the state of the American homeownership dream today, baby boomers landed on "eroding" more than any other word, at 39.6%. Millennials and Gen X both led with "evolving," a notably more hopeful read. The youngest respondents saw the dream as changing shape; the oldest saw it wearing away.</p><p class="c-paragraph">The pattern held when respondents were asked directly whether homeownership has delivered on its role as a cornerstone of the American Dream. Only 13% of baby boomers said it "fully delivered," compared with 22.8% of millennials and 18.3% of Gen X.</p><figure class="c-media-item b-article-body__image"><img data-chromatic="ignore" alt="" class="c-image" loading="lazy" src="https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/E25LOLUMCA6BXFDGLRR5ANYOPU.png?auth=b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed&amp;width=800&amp;height=555" srcSet="https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/E25LOLUMCA6BXFDGLRR5ANYOPU.png?auth=b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed&amp;width=274&amp;height=190 274w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/E25LOLUMCA6BXFDGLRR5ANYOPU.png?auth=b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed&amp;width=400&amp;
600height=277 400w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/E25LOLUMCA6BXFDGLRR5ANYOPU.png?auth=b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed&amp;width=768&amp;height=532 768w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/E25LOLUMCA6BXFDGLRR5ANYOPU.png?auth=b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed&amp;width=1024&amp;height=710 1024w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/E25LOLUMCA6BXFDGLRR5ANYOPU.png?auth=b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed&amp;width=1440&amp;height=999 1440w" width="800" height="555"/><figcaption class="c-media-item__fig-caption"><span class="c-media-item__caption">A survey showing the single word best describing the state of American homeownership dream in 250 years across generations. </span><span class="c-media-item__credit">(Stacker/Stacker) </span></figcaption></figure><h5 class="b-article-body__h5">Hometap</h5><p class="c-paragraph">The generation with the most equity, the highest homeownership rate, and the longest runway of appreciation was the least likely to say the dream paid off.</p><p class="c-paragraph">It doesn't appear to be buyer's remorse, either — baby boomers overwhelmingly still value their homes; 58.3% chose "stability" as the word that best captures what homeownership means to them today. The skepticism seems to be less about the home itself and more about the system around it.</p><h3 class="b-article-body__h3">The Winners Don't Feel Like Winners</h3><p class="c-paragraph">Equity on paper doesn't automatically translate into security in retirement, and the data suggests baby boomers know it.</p><p class="c-paragraph">Consider the timing. An average of <a href="https://www.lifehealth.com/the-u-s-has-reached-the-peak-of-peak-65/" target="_blank">11,400 Americans are turning 65 every day</a>&nbsp;— the largest wave of people reaching traditional retirement age in history, according to the Alliance for Lifetime Income's Retirement Income Institute, which calls the milestone "Peak 65." More than half of baby boomers turning 65 between 2024 and 2030 have <a href="https://www.lifehealth.com/the-u-s-has-reached-the-peak-of-peak-65/" target="_blank">assets of $250,000 or less</a>, the same research found.</p><p class="c-paragraph">That insecurity showed up in the survey data. Nearly two-thirds of baby boomers (63%) agreed they worry they'll need their own savings and assets for retirement before they can help their kids — a higher share than millennials (50.6%).</p><p class="c-paragraph">The generation closest to being able to help their children financially, and with the most equity to help from, is the most worried they won't be able to.</p><p class="c-paragraph">Other research echoes the same anxiety. FreddieMac research found that baby boomer homeowners' confidence in a comfortable retirement <a href="https://freddiemac.gcs-web.com/news-releases/news-release-details/silver-tsunami-likely-bring-wave-wealth-children-baby-boomer" target="_blank">slipped to 68% in 2024, down from 81% in 2021</a>. And 51% of U.S. adults surveyed by Northwestern Mutual in 2025&nbsp;think it's somewhat or very likely they'll <a href="https://news.northwesternmutual.com/2025-04-14-Americans-Believe-They-Will-Need-1-26-Million-to-Retire-Comfortably-According-to-Northwestern-Mutual-2025-Planning-Progress-Study" target="_blank">outlive their savings</a>.</p><p class="c-paragraph">So the "winners" are looking at substantial home equity on one side of the ledger and real retirement uncertainty on the other — a gap between wealth on paper and confidence in practice that helps explain why the dream reads as "eroding" to this generation, even as home values sit near record highs.</p><h3 class="b-article-body__h3">Why It Matters to Younger Buyers</h3><p class="c-paragraph">If homeownership feels this precarious for people who bought cheap and held on for decades, the challenge facing today's buyers is structural rather than just perception.</p><p class="c-paragraph">The affordability math has genuinely changed. Harvard's Joint Center for Housing Studies found that home prices climbed to <a href="https://www.jchs.harvard.edu/blog/home-prices-surge-five-times-median-income-nearing-historic-highs" target="_blank">roughly five times the median household income</a>&nbsp;in 2024, an all-time high. Home prices have <a href="https://nationalmortgageprofessional.com/news/home-prices-have-surged-551-1980-far-outpacing-income-growth" target="_blank">risen 551% since 1980</a>,&nbsp;as of 2024, while incomes rose 373% over the same period, pushing the national price-to-income ratio to about 5.08 — nearly double the level widely considered affordable, according to a Clever Real Estate&nbsp;and Best Interest Financial analysis.</p><figure class="c-media-item b-article-body__image"><img data-chromatic="ignore" alt="" class="c-image" loading="lazy" src="https://cmg-cmg-rd-200
60073-prod.cdn.arcpublishing.com/resizer/v2/Q42GVOXV247UJBWTK5634N6ZGY.png?auth=000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86&amp;width=800&amp;height=523" srcSet="https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/Q42GVOXV247UJBWTK5634N6ZGY.png?auth=000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86&amp;width=274&amp;height=179 274w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/Q42GVOXV247UJBWTK5634N6ZGY.png?auth=000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86&amp;width=400&amp;height=261 400w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/Q42GVOXV247UJBWTK5634N6ZGY.png?auth=000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86&amp;width=768&amp;height=502 768w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/Q42GVOXV247UJBWTK5634N6ZGY.png?auth=000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86&amp;width=1024&amp;height=669 1024w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/Q42GVOXV247UJBWTK5634N6ZGY.png?auth=000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86&amp;width=1440&amp;height=941 1440w" width="800" height="523"/><figcaption class="c-media-item__fig-caption"><span class="c-media-item__caption">A bar graph showing if homeownership delivered as a cornerstone of the American dream across generations. </span><span class="c-media-item__credit">(Stacker/Stacker) </span></figcaption></figure><h5 class="b-article-body__h5">Hometap</h5><p class="c-paragraph"><br>That gap has quietly rewritten the timeline of a life milestone. The <a href="https://www.nar.realtor/press-releases/first-time-home-buyer-share-falls-to-historic-low-of-21-median-age-rises-to-40" target="_blank">typical first-time homebuyer is now 40 years old</a>, an all-time high, and first-time buyers have shrunk to a record-low 21% of the market, according to the National Association of Realtors' 2025 profile. A generation ago, first-time buyers were routinely in their late 20s.</p><p class="c-paragraph">This isn't a story of one generation versus another. Baby boomers moved through the housing market at a different moment than today's buyers, and survey data suggests many are as concerned about their children's prospects as their own. But the structural shift matters for how younger buyers might read their own experience: Finding a first home harder to reach at 40 than a previous generation did at 28 reflects a real change in the ratios, not a personal shortfall.</p><h3 class="b-article-body__h3">Baby Boomers Aren't Leaving (and That's Reshaping the Market)</h3><p class="c-paragraph">For years, the housing industry anticipated a "silver tsunami" — a wave of baby boomers downsizing and freeing up family-sized homes for the next generation. It hasn't arrived on the timeline many expected, and understanding why explains a lot about today's tight market.</p><p class="c-paragraph">Start with who's actually buying and selling. Baby boomers regained the top spot as the <a href="https://www.nar.realtor/newsroom/baby-boomers-regain-top-spot-as-largest-share-of-home-buyers" target="_blank">largest share of home buyers at 42%</a>&nbsp;in the past year, per NAR, while millennials fell to 29%. Rather than exiting the market, many baby boomers are competing in it, often with cash from a lifetime of <a href="https://www.hometap.com/blog/what-causes-home-value-to-appreciate" target="_blank">home appreciation</a>.</p><p class="c-paragraph">They're also holding onto space. Redfin reports that as of 2024, empty-nest baby boomers <a href="https://www.redfin.com/news/empty-nest-large-homes-2026/" target="_blank">own 28% of the nation's large homes</a>&nbsp;(three bedrooms or more), while millennials with kids own just 16% — roughly twice as many large homes held by people who no longer need the bedrooms as by the families who do.</p><p class="c-paragraph">The incentives to stay put are considerable. Nearly 58% of baby boomer homeowners&nbsp;own their homes free and clear, with no mortgage payment. Combined with the rate lock-in effect, mov
600ing can look like a financial downgrade. And a 2024 AARP report found that <a href="https://www.aarp.org/press/releases/2024-12-10-new-aarp-report-majority-adults-50-plus-age-place-policies-communities-catch-up.html" target="_blank">75% of adults 50 and older</a>&nbsp;say they want to stay in their current homes as they age.</p><p class="c-paragraph">The result is a market where the homes younger families want are owned, comfortably and mortgage-free, by people with little reason to sell. The typical homeowner now <a href="https://www.redfin.com/news/homeowner-tenure-12-years/" target="_blank">stays put for 12 years</a>, according to Redfin, nearly double the 6.5 years that was typical in 2005.</p><h3 class="b-article-body__h3">The Wealth Is Real, but It's Mostly Staying Put</h3><p class="c-paragraph">There's an enormous amount of housing wealth in baby boomer hands. Federal Reserve data shows that, as of the second quarter of 2026, they hold about <a href="https://www.federalreserve.gov/releases/z1/dataviz/dfa/distribute/chart/#quarter:147;series:Net%20worth;demographic:generation;population:all;units:shares" target="_blank">52% of all U.S. household wealth</a>, versus roughly 11% for millennials, even though the two generations make up nearly identical shares of the adult population.</p><p class="c-paragraph">That gap is less about hoarding than about time. Adjusted for inflation, younger Americans at an average age of 34 hold <a href="https://www.stlouisfed.org/open-vault/2025/june/the-state-of-us-household-wealth" target="_blank">slightly more average wealth</a>&nbsp;than baby boomers did at the same age, according to Federal Reserve data. But baby boomers have had decades of compounding home appreciation that today's buyers, entering the market later and at higher prices, haven't had time to accumulate.</p><p class="c-paragraph">That wealth will eventually change hands. Cerulli projects that an estimated <a href="https://www.cerulli.com/press-releases/cerulli-anticipates-124-trillion-in-wealth-will-transfer-through-2048" target="_blank">$124 trillion will transfer</a>&nbsp;to heirs and charity through 2048, with baby boomers and older generations accounting for the vast majority. The open question for younger buyers is timing and access: That transfer plays out over decades and flows unevenly. NAR reports that in 2024, <a href="https://www.nar.realtor/newsroom/first-time-home-buyers-shrink-to-historic-low-of-24-as-buyer-age-hits-record-high" target="_blank">1 in 4 first-time buyers</a>&nbsp;used a gift or loan from family for their down payment.</p><p class="c-paragraph">The Hometap survey data points to a related pattern. More than two-thirds of baby boomers (67.7%) agreed they'd never thought of their home equity as a way to help their family buy a home — the highest share of any generation. When asked the most realistic way they could help their kids become homeowners, the most common answer among baby boomers was "leaving my home as an inheritance" (30.7%). For many respondents, help is associated with something that happens later, rather than a resource that could be accessed sooner.</p><figure class="c-media-item b-article-body__image"><img data-chromatic="ignore" alt="" class="c-image" loading="lazy" src="https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/GXD4ZE5N4Q3XXA6V64UGHTTT24.png?auth=4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d&amp;width=800&amp;height=500" srcSet="https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/GXD4ZE5N4Q3XXA6V64UGHTTT24.png?auth=4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d&amp;width=274&amp;height=171 274w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/GXD4ZE5N4Q3XXA6V64UGHTTT24.png?auth=4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d&amp;width=400&amp;height=250 400w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/GXD4ZE5N4Q3XXA6V64UGHTTT24.png?auth=4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d&amp;width=768&amp;
600height=480 768w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/GXD4ZE5N4Q3XXA6V64UGHTTT24.png?auth=4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d&amp;width=1024&amp;height=640 1024w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/GXD4ZE5N4Q3XXA6V64UGHTTT24.png?auth=4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d&amp;width=1440&amp;height=900 1440w" width="800" height="500"/><figcaption class="c-media-item__fig-caption"><span class="c-media-item__caption">A chart showing the price-to-income ratio from 1990 to 2024. </span><span class="c-media-item__credit">(Stacker/Stacker) </span></figcaption></figure><h5 class="b-article-body__h5">Hometap</h5><p class="c-paragraph">Price-to-income ratios are for the 100 largest metro areas by population. Income data for 2024 are based on Moody’s Analytics forecasts. Source: JCHS tabulations of National Association of Realtors, Metropolitan Median Area Prices; Moody’s Analytics estimates.</p><h3 class="b-article-body__h3">What This Means for Younger Homeowners</h3><p class="c-paragraph">The data suggests two things can be true at once. The deck is stacked differently than it was a generation ago, and a lot of the forces at play — rates, prices, inventory, who owns what — are outside any one person's control.</p><p class="c-paragraph">There's a more practical takeaway, too. Homeowners who bought recently, even modestly, are building the same asset that became the foundation of baby boomer wealth. That equity is real, and it doesn't have to wait decades — or sit untouched until it becomes an inheritance — to be understood as a resource.</p><p class="c-paragraph">The pattern in the survey data is that a large share of home equity nationally has gone unexamined as something that could be used sooner rather than later. Understanding what equity is worth, and what options exist for accessing it, is a separate question from deciding whether or when to use it — but it's one more homeowners may want to ask earlier than the generation before them did.</p><p class="c-paragraph">Methodology: The survey referenced throughout this article was conducted by AYTM on behalf of Hometap among 1,000 U.S. homeowners ages 18 and over, representing a mix of ages, demographics, and regions. Respondents were recruited through AYTM's online panel and screened to confirm homeownership. Results reflect a 95% confidence level with an approximate 3% margin of error. For this analysis, generations were grouped as millennials (ages 25-44), Generation X (ages 45-64), and baby boomers (ages 65-79).</p><p class="c-paragraph"><a href="https://www.hometap.com/blog/baby-boomer-homeownership-paradox" target="_blank"><em>This story</em></a><em>&nbsp;was produced by </em><a href="https://www.hometap.com" target="_blank"><em>Hometap</em></a><em>&nbsp;and reviewed and distributed by </em><a href="https://hubs.la/Q03klgSR0" rel="nofollow" target="_blank"><em>Stacker</em></a><em>.</em></p></article><div class="arena-container"><div class="arena-comments-widget" data-enable-ads="true" data-site-slug="99-jamz" data-sso-enabled="true"></div></div></div><div class="c-stack b-right-rail-advanced__main-interior-item-2" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div data-fusion-lazy-id="0fTINCxeOOHJ4d"><div id="t-container-0fTINCxeOOHJ4d" class="padding-sm-bottom padding-sm-top  "><div id="taboola-below-article-thumbnails-light"></div></div></div></div></div><div class="c-stack b-right-rail-advanced__main-right-rail" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div class="c-stack b-right-rail-advanced__main-right-rail-top" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"></div><div class="c-stack b-right-rail-advanced__main-right-rail-middle" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div id="fusion-static-enter:on-air-ctn" style="display:none" data-fusion-component="on-air-ctn" data-persistent-entry="true"></div><div class="on-air" id="on-air"><div class="on-air-image" id="on-air-image"><div class="on-air-image-container color_white border_1 border_color_secondary_medium_light border_solid relative flex container_
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636    const listItemClassName = isFirst ? 'current-song song-item background_gray_3 padding-sm-left padding-sm-right' : 'song-item padding-sm-left padding-sm-right';
637    const listItemContainerClassName = isFirst ? 'flex container_row padding-sm-top padding-sm-bottom' : 'flex container_row padding-sm-top padding-sm-bottom border border_1_bottom border_color_secondary_medium_light border_solid';
638    const column1ContainerClassName = 'font_size_xs italic padding-md-right color_secondary_medium song-time';
639    const column2ContainerClassName = 'font_size_sm bold padding-xs-right color_secondary_dark';
640    const column3ContainerClassName = 'font_size_xs bold color_secondary_medium';
641    const timeDisplay = isFirst ? 'NOW' : item.timestampFormatShort;
642    const column1ContainerText = isSong ? timeDisplay : '';
643    const column2ContainerText = isSong ? item.title : fallbackTitle;
644    const column3ContainerText = isSong ? item.artist : fallbackStatement;
645    const newLi = document.createElement('li');
646    newLi.setAttribute('class', listItemClassName);
647    const newLiContainer = document.createElement('div');
648    newLiContainer.setAttribute('class', listItemContainerClassName);
649    const newColumn1Container = document.createElement('div');
650    newColumn1Container.setAttribute('class', column1ContainerClassName);
651    newColumn1Container.textContent = column1ContainerText;
652    newLiContainer.appendChild(newColumn1Container);
653    const newColumn2Container = document.createElement('div');
654    newColumn2Container.setAttribute('class', column2ContainerClassName);
655    newColumn2Container.textContent = column2ContainerText;
656    newLiContainer.appendChild(newColumn2Container);
657    const newColumn3Container = document.createElement('div');
658    newColumn3Container.setAttribute('class', column3ContainerClassName);
659    newColumn3Container.textContent = column3ContainerText;
660    newLiContainer.appendChild(newColumn3Container);
661    newLi.appendChild(newLiContainer);
662    elementFragment.appendChild(newLi);
663  };
664  window.addEventListener(type, function (event) {
665    const MAX_ITEMS = 3;
666    const playlist = event.detail && event.detail.data && event.detail.data.data;
667    const songsContainer = document.getElementsByClassName('last-songs-list')[0];
668    const elementFragment = document.createDocumentFragment();
669    if (!playlist || !songsContainer) return;
670    if (playlist && playlist.length >= MAX_ITEMS) {
671      const currItem = playlist[0];
672      const nextItem = playlist[1].isSong ? playlist[1] : currItem.isSong ? playlist[1] : null;
673      const thirdItem = currItem.isSong && (nextItem && nextItem.isSong || playlist[2].isSong) ? playlist[2] : null;
674      const displayItems = [currItem, nextItem, thirdItem].filter(function (item) {
675        return item;
676      });
677      while (songsContainer.firstChild) {
678        songsContainer.removeChild(songsContainer.firstChild);
679      }
680      displayItems.map(function (item, index) {
681        renderListItem(elementFragment, item, index, stationStatement, stationTitle);
682      });
683      songsContainer.appendChild(elementFragment);
684    }
685  });
686})("PersistentPlayerUpdate", "99JAMZ", "Miami's #1 For Hip Hop and R&B");</script>
686</div></div><div id="fusion-static-exit:on-air-ctn" style="display:none" data-fusion-component="on-air-ctn" data-persistent-exit="true"></div><div class="callus-traffic-weather-combined flex container_column"><div class="display_block spacer_m_sm-md_bottom"><div class="callus background_primary padding-xs-top padding-xs-bottom padding-sm-left flex container_row align_items_center"><svg class="icon_general_phone icon_custom_phone" viewBox="0 0 22 42"><g fill="none" fill-rule="evenodd" transform="translate(-8 -1)"><mask id="b" fill="#fff"><path id="a" d="M25.188 1.833h-13c-2.243 0-4.063 2.054-4.063 4.584v31.166c0 2.53 1.82 4.584 4.063 4.584h13c2.242 0 4.062-2.054 4.062-4.584V6.417c0-2.53-1.82-4.584-4.063-4.584zm-6.5 38.5c-1.35 0-2.438-1.228-2.438-2.75 0-1.521 1.089-2.75 2.438-2.75 1.348 0 2.437 1.229 2.437 2.75 0 1.522-1.089 2.75-2.438 2.75zM26 33H11.375V7.333H26V33z"></path></mask><g mask="url(#b)"><path id="c" d="M0 0h81.25v91.667H0z" fill="#FFF" transform="translate(-21.125 -23.833)"></path></g></g></svg><div class="callus-text padding-sm-left padding-lg-right margin-xs-right headline_widget text_align_center width_full color_white"><a class="tel font_primary unstyled font_size_xl cursor_pointer_mobile" itemProp="tel" href="tel:+18669915269">1-866-991-5269</a></div></div></div><div id="lazy_22241"><div class="flex container_row border_1 border_color_secondary_medium_light border_solid spacer_m_sm-md_bottom container_row align_items_center padding-xs-top padding-xs-bottom"><a class="width_full text_align_center unstyled" href="/weather/"><div class="headline_widget font_primary font_size_xl line_height_inherit">80<sup>°</sup></div></a><a class="width_full text_align_center border border_1_left border_color_secondary_medium_light border_solid unstyled" href="/traffic/"><div class="traffic-widget"><div class="accident-count display_inline_block relative"><svg class="icon_traffic_car | vertical-align_middle fill_secondary_dark icon_sm" viewBox="0 0 32 28"><g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><g transform="translate(-576.000000, -66.000000)"><g transform="translate(571.000000, 59.000000)"><g transform="translate(5.000000, 7.000000)" fill="#000000"><path d="M4,11 L6.67857143,3 L26.3214286,3 L29,11 L4,11 Z M25.5,19 C24.1166667,19 23,17.8833333 23,16.5 C23,15.1166667 24.1166667,14 25.5,14 C26.8833333,14 28,15.1166667 28,16.5 C28,17.8833333 26.8833333,19 25.5,19 L25.5,19 Z M6.5,19 C5.11666667,19 4,17.8833333 4,16.5 C4,15.1166667 5.11666667,14 6.5,14 C7.88333333,14 9,15.1166667 9,16.5 C9,17.8833333 7.88333333,19 6.5,19 L6.5,19 Z M28.3022222,1.7675 C27.9484444,0.735 26.9511111,0 25.7777778,0 L6.22222222,0 C5.05066667,0 4.07111111,0.735 3.69777778,1.7675 L0,12.25 L0,26.25 C0,27.2125 0.8,28 1.77777778,28 L3.55555556,28 C4.53511111,28 5.33333333,27.2125 5.33333333,26.25 L5.33333333,24.5 L26.6666667,24.5 L26.6666667,26.25 C26.6666667,27.2125 27.4666667,28 28.4444444,28 L30.2222222,28 C31.2017778,28 32,27.2125 32,26.25 L32,12.25 L28.3022222,1.7675 Z"></path></g></g></g></g></svg><div class="count-bubble | font_primary bold color_white absolute double-digits ">25</div></div></div></a></div></div></div><div style="display:none" id="0f1SzWReleuIkt" data-fusion-collection="features" data-fusion-type="Common/ArcAd" data-fusion-name="RP01-CMG Arc Ads" data-fusion-message="Could not render component [features:Common/ArcAd]"></div></div><div class="c-stack b-right-rail-advanced__main-right-rail-bottom" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div class="c-stack b-single-chain" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div class="c-stack b-single-chain__children-stack" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div id="fusion-static-enter:html-block-f0fSVcmWM11i12f-6-0-0" style="display:none" data-fusion-component="html-block-f0fSVcmWM11i12f-6-0-0"></div><div><table style="border-radius: 6px; background-color:#ed1e82; width: 100%; height: 250px; padding-bottom:0px;">
687	<tbody>
688 		 <tr>
689	  		<td width="55%">
690			<!--Header title-->
691				<div>
692           			<h1 style="font-family:Ubuntu, sans-serif; color: #ffffff; font-size: 24px; line-height: 30px; font-weight: 700; padding-bottom: 10px; padding-left: 0.60em; padding-right: 0.40em; padding-top: 5px;"><a style="text-decoration: none; font-family:Ubuntu, sans-serif; color: #ffffff;
692" href="https://www.wedr.com/fp/download-99-jamz-app/">Download the 99 Jamz app</a></h1>
693		 	   </div>
694				<!--End Header title-->
695			   <div >
696					<!--Google Play Badge-->
697					<a href="https://play.google.com/store/apps/details?id=com.jacobsmedia.wedr" target="_blank"><img width="160px" src="https://cloudfront-us-east-1.images.arcpublishing.com/cmg/S43HBKZZJ5DUPBWLNC6VGPKQH4.png"></a>
698					<!--End Google Play Badge-->
699					<a href="https://apps.apple.com/us/app/99-jamz/id665204344?platform=iphone" target="_blank"><img width="160px" src="https://cloudfront-us-east-1.images.arcpublishing.com/cmg/AG65ZRZ2QBFT7FACHR4KMNBQRM.png"></a>
700					<!--End Apple Store Badge-->
701				</div>
702				
703			</td>
704			 <!--iphone image-->
705      		<td width="45%" style="position: relative;">
706				<div>
707					<a style="text-decoration: none;" href="https://www.wedr.com/fp/download-99-jamz-app/" border="0"><img border="0" style="position: absolute; width:100%; height:auto; bottom:0; max-height:240px; max-width: 177px;" src="https://cloudfront-us-east-1.images.arcpublishing.com/cmg/X4EOTJDYHRBBHP5XUHCO35DTZE.png"/></a> 
708				</div> 
709			</td>
710			 <!--iphone image-->
711  		</tr>
712  </tbody>
713</table></div><div id="fusion-static-exit:html-block-f0fSVcmWM11i12f-6-0-0" style="display:none" data-fusion-component="html-block-f0fSVcmWM11i12f-6-0-0"></div><div data-fusion-lazy-id="f0f7o3QJIRI52AC-6-0-1"></div><div style="display:none" id="0fMT4c9xWouLVM4-6-0-2" data-fusion-collection="features" data-fusion-type="Common/ArcAd" data-fusion-name="RP02-CMG Arc Ads" data-fusion-message="Could not render component [features:Common/ArcAd]"></div><div class="styles__TypologyDefault-sc-17ixnwk-0 iavWUd b-header-wrapper"><div class="horizontal-rule  "><div class="horizontal-rule-inset background_primary"></div></div><h2 class="c-heading b-header b-header--small">News You Need</h2></div><div class="c-grid b-top-table-list"><div class="c-grid b-top-table-list-medium-container false"><article class="b-top-table-list-medium b-top-table-list-medium--show-image"><div><figure class="c-media-item"><a class="c-link" href="/contests/99-jamz-is-putting-grand-your-hand/HTU7JHZKCVC3PEHSKHXMDAL63I/" aria-hidden="true" tabindex="-1"><img data-chromatic="ignore" alt="99 JAMZ is PUTTING A GRAND IN YOUR HAND!" class="c-image" loading="lazy" src="https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/7FGWX55S2RFEROYBBVXHQWWRKU.png?smart=true&amp;auth=31e4429f2e562526362e0946a92a67246332086553351c4d952d4efa6c49772d&amp;width=800&amp;height=450" srcSet="https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/7FGWX55S2RFEROYBBVXHQWWRKU.png?smart=true&amp;auth=31e4429f2e562526362e0946a92a67246332086553351c4d952d4efa6c49772d&amp;width=400&amp;height=225 400w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/7FGWX55S2RFEROYBBVXHQWWRKU.png?smart=true&amp;auth=31e4429f2e562526362e0946a92a67246332086553351c4d952d4efa6c49772d&amp;width=600&amp;height=337 600w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/7FGWX55S2RFEROYBBVXHQWWRKU.png?smart=true&amp;auth=31e4429f2e562526362e0946a92a67246332086553351c4d952d4efa6c49772d&amp;width=800&amp;height=450 800w, https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/7FGWX55S2RFEROYBBVXHQWWRKU.png?smart=true&amp;auth=31e4429f2e562526362e0946a92a67246332086553351c4d952d4efa6c49772d&amp;width=1200&amp;height=675 1200w" width="800" height="450"/></a></figure><h2 class="c-heading"><a class="c-link" href="/contests/99-jamz-is-putting-grand-your-hand/HTU7JHZKCVC3PEHSKHXMDAL63I/">99 JAMZ is PUTTING A GRAND IN YOUR HAND!</a></h2></div><hr class="c-divider"/></article><article class="b-top-table-list-medium b-top-table-list-medium--show-image"><div><figure class="c-media-item"><a class="c-link" href="/on-air/yung-joc-streetz-weekend-takeover/TV7IRRNM5FDEJE4RTMONVF6HSY/" aria-hidden="true" tabindex="-1"><img data-chromatic="ignore" alt="Yung Joc and the Streetz Weekend Takeover" class="c-image" loading="lazy" src="https://cmg-cmg-rd-20073-prod.cdn.arcpublishing.com/resizer/v2/DVNEPMA3MFEZDEQ2VCPYGN57J4.png?smart=true&amp;auth=fd926543448a1d44556e61f84b9e2ea71d6ddd8edb3479ff7b7687045b9bfe84&amp;width=800&amp;
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770<script id="fusion-metadata" type="application/javascript">window.Fusion=window.Fusion||{};Fusion.arcSite="cmg-rd-20073";Fusion.contextPath="/pf";Fusion.mxId="00000000";Fusion.deployment="1373";Fusion.globalContent={"_id":"AR2FA4AQOE5RHJTBRDA37FMJYM","additional_properties":{"has_published_copy":true,"source_guid":"42f7f923-5d35-4ad2-9a76-3264804f11f1"},"canonical_url_external":"https://www.hometap.com/blog/baby-boomer-homeownership-paradox","canonical_website":"cmg-ms-40010","content_elements":[{"_id":"DVR2YBAWRBCQFGED6AZVXELXMY","content":"<img src=\"https://analytics.stacker.com/tracking/42f7f923-5d35-4ad2-9a76-3264804f11f1/pixel.gif?source=feed\" height=\"1\" width=\"1\" style=\"display:none\" />","type":"raw_html"},{"_id":"VWXBZNOQ2NEQTCXEKJDPDKMA7E","content":"When it comes to homeownership, baby boomers are the generation that won, so to speak.","type":"text"},{"_id":"H4OZAZFMTJDBPAADYWLZAG4C24","content":"They bought homes when prices were a fraction of what they are today, watched their equity climb for decades, and now hold <a href=\"https://freddiemac.gcs-web.com/news-releases/news-release-details/silver-tsunami-likely-bring-wave-wealth-children-baby-boomer\" target=\"_blank\">roughly half of all the home equity</a>&nbsp;in the country. If any generation should feel like homeownership delivered on its promise, it's this one.","type":"text"},{"_id":"MDENBWI3KVDAJDFDV5TT3YT3MU","content":"Yet when asked whether homeownership has lived up to its billing as a cornerstone of the American Dream, baby boomers were the most skeptical generation of all. In a recent <a href=\"https://www.hometap.com/blog/homeownership-american-dream-survey\" target=\"_blank\">American Dream survey of homeowners</a>&nbsp;conducted by <a href=\"https://www.hometap.com/?utm_source=stacker&amp;utm_medium=content&amp;utm_campaign=how-much-does-it-cost-to-raise-a-child\" target=\"_blank\">Hometap</a>, baby boomers were the only age group whose single most common word for the state of that dream was \"eroding,\" and they had the lowest share of any generation to say the dream has \"fully delivered.\"","type":"text"},{"_id":"65MNTIT6YBD4JF5BZESVIPASZE","content":"That's the paradox: The homeowners who generally had it easiest are the least convinced homeownership has delivered. For younger homeowners, or people hoping to become one, that gap says something about the road ahead.","type":"text"},{"_id":"RR2RT2G7SZBPZM3RSDRRJCX7SM","content":"Why the Generation That ‘Won’ Is the Most Skeptical","level":3,"type":"header"},{"_id":"A4XVMOXJMFDBRB77MAA3IWLKNE","content":"Skepticism about homeownership might be expected to track with hardship — the people struggling most to buy a home would be the most disillusioned about the experience. The survey data shows something more surprising.","type":"text"},{"_id":"TEWLIUJOXVDVDJK4ALCJ2AS6IQ","content":"Asked which single word best describes the state of the American homeownership dream today, baby boomers landed on \"eroding\" more than any other word, at 39.6%. Millennials and Gen X both led with \"evolving,\" a notably more hopeful read. The youngest respondents saw the dream as changing shape; the oldest saw it wearing away.","type":"text"},{"_id":"VHS6IPT5ZRE3ZHX5Q4W2O6KCNU","content":"The pattern held when respondents were asked directly whether homeownership has delivered on its role as a cornerstone of the American Dream. Only 13% of baby boomers said it \"fully delivered,\" compared with 22.8% of millennials and 18.3% of Gen X.","type":"text"},{"_id":"E25LOLUMCA6BXFDGLRR5ANYOPU","additional_properties":{"fullSizeResizeUrl":"/resizer/v2/E25LOLUMCA6BXFDGLRR5ANYOPU.png?auth=b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed","galleries":[],"keywords":["stacker"],"mime_type":"application/octet-stream","originalName":"?img=aHR0cHM6Ly9pbWFnZXMuc3RhY2tlci5jb20vdy8xMjgwL2ltYWdlcy9zdG9yaWVzLzIwMjYvMTAvMDgvV2hhdCUyMFlvdW5nJTIwSG9tZW93bmVycyUyMENhbiUyMExlYXJuJTIwZnJvbSUyMHRoZSUyMEJhYnklMjBCb29tZXIlMjBQYXJhZG94X1N0YWNrZXIlMjBRdWVzdGlvbiUyMDFfc3RhY2tlci5wbmc","originalUrl":"https://cloudfront-us-east-1.images.arcpublishing.com/cmg/E25LOLUMCA6
770BXFDGLRR5ANYOPU.png","proxyUrl":"/resizer/v2/E25LOLUMCA6BXFDGLRR5ANYOPU.png?auth=b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed","published":true,"resizeUrl":"/resizer/v2/E25LOLUMCA6BXFDGLRR5ANYOPU.png?auth=b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed","restricted":false,"thumbnailResizeUrl":"/resizer/v2/E25LOLUMCA6BXFDGLRR5ANYOPU.png?auth=b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed&width=300","version":0,"image":{"publish":true}},"address":{},"auth":{"1":"b0f61e29b01f6430588fca60e73b707f54adb97f7eed716bcc47ea0ad4f4aeed"},"caption":"A survey showing the single word best describing the state of American homeownership dream in 250 years across generations.","copyright":"Stacker","created_date":"2026-10-08T20:39:15Z","credits":{"affiliation":[{"name":"Stacker","type":"author"}],"by":[{"byline":"Stacker","name":"Stacker","type":"author"}]},"distributor":{"mode":"reference","reference_id":"9ec5f951-e2eb-4d31-b5a8-d59e92844fd7"},"height":889,"image_type":"photograph","last_updated_date":"2026-10-08T20:39:15Z","licensable":false,"owner":{"id":"cmg"},"source":{"name":"Stacker","source_id":"E25LOLUMCA6BXFDGLRR5ANYOPU","source_type":"wires","additional_properties":{"editor":"photo center"},"system":"Stacker"},"type":"image","url":"https://cloudfront-us-east-1.images.arcpublishing.com/cmg/E25LOLUMCA6BXFDGLRR5ANYOPU.png","version":"0.10.9","width":1280},{"_id":"WPGDA2MUCZDDXC7G7NKAJNGMEE","content":"Hometap","level":5,"type":"header"},{"_id":"EEV35JH76RHVFAYSSGPB2UQYBQ","content":"The generation with the most equity, the highest homeownership rate, and the longest runway of appreciation was the least likely to say the dream paid off.","type":"text"},{"_id":"WYMNGG4RGBANFM25KCIOLBJLVY","content":"It doesn't appear to be buyer's remorse, either — baby boomers overwhelmingly still value their homes; 58.3% chose \"stability\" as the word that best captures what homeownership means to them today. The skepticism seems to be less about the home itself and more about the system around it.","type":"text"},{"_id":"JW27ENSOBFE5ZFPAR5ST2L2O7Q","content":"The Winners Don't Feel Like Winners","level":3,"type":"header"},{"_id":"I6CDFUBGKFFPNJEDK6DD42G5QM","content":"Equity on paper doesn't automatically translate into security in retirement, and the data suggests baby boomers know it.","type":"text"},{"_id":"GDUXFFTYOBDHREQMPZWUGO6IIM","content":"Consider the timing. An average of <a href=\"https://www.lifehealth.com/the-u-s-has-reached-the-peak-of-peak-65/\" target=\"_blank\">11,400 Americans are turning 65 every day</a>&nbsp;— the largest wave of people reaching traditional retirement age in history, according to the Alliance for Lifetime Income's Retirement Income Institute, which calls the milestone \"Peak 65.\" More than half of baby boomers turning 65 between 2024 and 2030 have <a href=\"https://www.lifehealth.com/the-u-s-has-reached-the-peak-of-peak-65/\" target=\"_blank\">assets of $250,000 or less</a>, the same research found.","type":"text"},{"_id":"HHC3MFIOTBH2PM3ZEHPQTRFAWQ","content":"That insecurity showed up in the survey data. Nearly two-thirds of baby boomers (63%) agreed they worry they'll need their own savings and assets for retirement before they can help their kids — a higher share than millennials (50.6%).","type":"text"},{"_id":"RCKQQQIS3RB6TMN2B6WL2I6IZI","content":"The generation closest to being able to help their children financially, and with the most equity to help from, is the most worried they won't be able to.","type":"text"},{"_id":"G3KEBO4SQNH2NKMQQF6JUMLYE4","content":"Other research echoes the same anxiety. FreddieMac research found that baby boomer homeowners' confidence in a comfortable retirement <a href=\"https://freddiemac.gcs-web.com/news-releases/news-release-details/silver-tsunami-likely-bring-wave-wealth-children-baby-boomer\" target=\"_blank\">slipped to 68% in 2024, down from 81% in 2021</a>. And 51% of U.S. adults surveyed by Northwestern Mutual in 2025&nbsp;think it's somewhat or very likely they'll <a href=\"https://news.northwesternmutual.com/2025-04-14-Americans-Believe-They-Will-Need-1-26-Million-to-Retire-Comfortably-According-to-Northwestern-Mutual-2025-Planning-Progress-Study\" target=\"_blank\">outlive their savings</a>.","type":"text"},{"_id":"YWGGWON55NE63IWRKQF475CNNQ","content":"So the \"winners\" are looking at substantial home equity on one side of the ledger and real retirement uncertainty on the other — a gap between wealth on paper and confidence in practice that helps explain why the dream reads as \"eroding\" to this generation, even as home values sit near record highs.","type":"text"},{"_id":"CPSW2OP7OZEDPNNNKY7AAHIA6Q","content":"Why It Matters to Younger Buyers","level":3,"type":"header"},{"_id":"T6AVRRF6HJCUHIYWZGXIMH6KS4","content":"If homeownership feels this precarious for people who bought cheap and held on for decades, the challenge facing today's buyers is structural rather than just perception.","type":"text"},{"_id":"6IXYZE3FXVCVRLSFTUAYZSVIAI","content":"The affordability math has genuinely changed. Harvard's Joint Center for Housing Studies found that home prices climbed to <a href=\"https://www.jchs.harvard.edu/blog/home-prices-surge-five-times-median-income-nearing-historic-highs\" target=\"_blank\">roughly five times the median household income</a>&nbsp;in 2024, an all-time high. Home prices have <a href=\"https://nationalmortgageprofessional.com/news/home-prices-have-surged-551-1980-far-outpacing-income-growth\" target=\"_blank\">risen 551% since 1980</a>,&nbsp;as of 2024, while incomes rose 373% over the same period, pushing the national price-to-income ratio to about 5.08 — nearly double the level widely considered affordable, according to a Clever Real Estate&nbsp;and Best Interest Financial analysis.","type":"text"},{"_id":"Q42GVOXV247UJBWTK5634N6ZGY","additional_properties":{"fullSizeResizeUrl":"/resizer/v2/Q42GVOXV247UJBWTK5634N6ZGY.png?auth=000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86","galleries":[],"keywords":["stacker"],"mime_type":"application/octet-stream","originalName":"?img=aHR0cHM6Ly9pbWFnZXMuc3RhY2tlci5jb20vdy8xMjgwL2ltYWdlcy9zdG9yaWVzLzIwMjYvMTAvMDgvV2hhdCUyMFlvdW5nJTIwSG9tZW93bmVycyUyMENhbiUyMExlYXJuJTIwZnJvbSUyMHRoZSUyMEJhYnklMjBCb29tZXIlMjBQYXJhZG94X1N0YWNrZXIlMjBRdWVzdGlvbiUyMDIucG5n","originalUrl":"https://cloudfront-us-east-1.images.arcpublishing.com/cmg/Q42GVOXV247UJBWTK5634N6ZGY.png","proxyUrl":"/resizer/v2/Q42GVOXV247UJBWTK5634N6ZGY.png?auth=000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86","published":true,"resizeUrl":"/resizer/v2/Q42GVOXV247UJBWTK5634N6ZGY.png?auth=000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86","restricted":false,"thumbnailResizeUrl":"/resizer/v2/Q42GVOXV247UJBWTK5634N6ZGY.png?auth=000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86&width=300","version":0,"image":{"publish":true}},"address":{},"auth":{"1":"000a1b57210c1cf833b55e7e430cd351e6013197aac63ee6467d1d9ff9140f86"},"caption":"A bar graph showing if homeownership delivered as a cornerstone of the American dream across generations.","copyright":"Stacker","created_date":"2026-10-08T20:39:21Z","credits":{"affiliation":[{"name":"Stacker","type":"author"}],"by":[{"byline":"Stacker","name":"Stacker","type":"author"}]},"distributor":{"mode":"reference","reference_id":"9ec5f951-e2eb-4d31-b5a8-d59e92844fd7"},"height":837,"image_type":"photograph","last_updated_date":"2026-10-08T20:39:21Z","licensable":false,"owner":{"id":"cmg"},"source":{"name":"Stacker","source_id":"Q42GVOXV247UJBWTK5634N6ZGY","source_type":"wires","additional_properties":{"editor":"photo center"},"system":"Stacker"},"type":"image","url":"https://cloudfront-us-east-1.images.arcpublishing.com/cmg/Q42GVOXV247UJBWTK5634N6ZGY.png","ver
770sion":"0.10.9","width":1280},{"_id":"QDXRZBB3CNCYNNHA6HAJXLEN64","content":"Hometap","level":5,"type":"header"},{"_id":"6MA3GGV2KBEF7MCO3TXHG72ZHE","content":"<br>That gap has quietly rewritten the timeline of a life milestone. The <a href=\"https://www.nar.realtor/press-releases/first-time-home-buyer-share-falls-to-historic-low-of-21-median-age-rises-to-40\" target=\"_blank\">typical first-time homebuyer is now 40 years old</a>, an all-time high, and first-time buyers have shrunk to a record-low 21% of the market, according to the National Association of Realtors' 2025 profile. A generation ago, first-time buyers were routinely in their late 20s.","type":"text"},{"_id":"TYDDMQG3PJE25FKUVPXSD2W4U4","content":"This isn't a story of one generation versus another. Baby boomers moved through the housing market at a different moment than today's buyers, and survey data suggests many are as concerned about their children's prospects as their own. But the structural shift matters for how younger buyers might read their own experience: Finding a first home harder to reach at 40 than a previous generation did at 28 reflects a real change in the ratios, not a personal shortfall.","type":"text"},{"_id":"Y5CWCL5JHNGVJC5VHYDZDI5B6A","content":"Baby Boomers Aren't Leaving (and That's Reshaping the Market)","level":3,"type":"header"},{"_id":"EC44DJQWVZCN5EKTIWA44PA2VY","content":"For years, the housing industry anticipated a \"silver tsunami\" — a wave of baby boomers downsizing and freeing up family-sized homes for the next generation. It hasn't arrived on the timeline many expected, and understanding why explains a lot about today's tight market.","type":"text"},{"_id":"U7JVU3QNFNC2ZEKM2IPOUFPRIA","content":"Start with who's actually buying and selling. Baby boomers regained the top spot as the <a href=\"https://www.nar.realtor/newsroom/baby-boomers-regain-top-spot-as-largest-share-of-home-buyers\" target=\"_blank\">largest share of home buyers at 42%</a>&nbsp;in the past year, per NAR, while millennials fell to 29%. Rather than exiting the market, many baby boomers are competing in it, often with cash from a lifetime of <a href=\"https://www.hometap.com/blog/what-causes-home-value-to-appreciate\" target=\"_blank\">home appreciation</a>.","type":"text"},{"_id":"HIUYIVKQ3ZEGLAZTMEQBN4NM24","content":"They're also holding onto space. Redfin reports that as of 2024, empty-nest baby boomers <a href=\"https://www.redfin.com/news/empty-nest-large-homes-2026/\" target=\"_blank\">own 28% of the nation's large homes</a>&nbsp;(three bedrooms or more), while millennials with kids own just 16% — roughly twice as many large homes held by people who no longer need the bedrooms as by the families who do.","type":"text"},{"_id":"I4KBPLTC6ZFMXLSLJGW776YMEU","content":"The incentives to stay put are considerable. Nearly 58% of baby boomer homeowners&nbsp;own their homes free and clear, with no mortgage payment. Combined with the rate lock-in effect, moving can look like a financial downgrade. And a 2024 AARP report found that <a href=\"https://www.aarp.org/press/releases/2024-12-10-new-aarp-report-majority-adults-50-plus-age-place-policies-communities-catch-up.html\" target=\"_blank\">75% of adults 50 and older</a>&nbsp;say they want to stay in their current homes as they age.","type":"text"},{"_id":"M5GLMAJRAZEPBJ3RCVHY2USXAE","content":"The result is a market where the homes younger families want are owned, comfortably and mortgage-free, by people with little reason to sell. The typical homeowner now <a href=\"https://www.redfin.com/news/homeowner-tenure-12-years/\" target=\"_blank\">stays put for 12 years</a>, according to Redfin, nearly double the 6.5 years that was typical in 2005.","type":"text"},{"_id":"AGVMRKKNK5BUTEGTE6HLLZN5FE","content":"The Wealth Is Real, but It's Mostly Staying Put","level":3,"type":"header"},{"_id":"GFBKBNZWPNDGFFY6O6RATQQET4","content":"There's an enormous amount of housing wealth in baby boomer hands. Federal Reserve data shows that, as of the second quarter of 2026, they hold about <a href=\"https://www.federalreserve.gov/releases/z1/dataviz/dfa/distribute/chart/#quarter:147;series:Net%20worth;demographic:generation;population:all;units:shares\" target=\"_blank\">52% of all U.S. household wealth</a>, versus roughly 11% for millennials, even though the two generations make up 
770nearly identical shares of the adult population.","type":"text"},{"_id":"6TPUDLXSPNHVRGYQ6ME4EWTDDQ","content":"That gap is less about hoarding than about time. Adjusted for inflation, younger Americans at an average age of 34 hold <a href=\"https://www.stlouisfed.org/open-vault/2025/june/the-state-of-us-household-wealth\" target=\"_blank\">slightly more average wealth</a>&nbsp;than baby boomers did at the same age, according to Federal Reserve data. But baby boomers have had decades of compounding home appreciation that today's buyers, entering the market later and at higher prices, haven't had time to accumulate.","type":"text"},{"_id":"RKWIV2MWMNFIBE2O3FHO2MUMO4","content":"That wealth will eventually change hands. Cerulli projects that an estimated <a href=\"https://www.cerulli.com/press-releases/cerulli-anticipates-124-trillion-in-wealth-will-transfer-through-2048\" target=\"_blank\">$124 trillion will transfer</a>&nbsp;to heirs and charity through 2048, with baby boomers and older generations accounting for the vast majority. The open question for younger buyers is timing and access: That transfer plays out over decades and flows unevenly. NAR reports that in 2024, <a href=\"https://www.nar.realtor/newsroom/first-time-home-buyers-shrink-to-historic-low-of-24-as-buyer-age-hits-record-high\" target=\"_blank\">1 in 4 first-time buyers</a>&nbsp;used a gift or loan from family for their down payment.","type":"text"},{"_id":"FM5VFSLGGFFKXAQRV465NIWCPQ","content":"The Hometap survey data points to a related pattern. More than two-thirds of baby boomers (67.7%) agreed they'd never thought of their home equity as a way to help their family buy a home — the highest share of any generation. When asked the most realistic way they could help their kids become homeowners, the most common answer among baby boomers was \"leaving my home as an inheritance\" (30.7%). For many respondents, help is associated with something that happens later, rather than a resource that could be accessed sooner.","type":"text"},{"_id":"GXD4ZE5N4Q3XXA6V64UGHTTT24","additional_properties":{"fullSizeResizeUrl":"/resizer/v2/GXD4ZE5N4Q3XXA6V64UGHTTT24.png?auth=4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d","galleries":[],"keywords":["stacker"],"mime_type":"application/octet-stream","originalName":"?img=aHR0cHM6Ly9pbWFnZXMuc3RhY2tlci5jb20vdy8xMjgwL2ltYWdlcy9zdG9yaWVzLzIwMjYvMTAvMDgvV2hhdCUyMFlvdW5nJTIwSG9tZW93bmVycyUyMENhbiUyMExlYXJuJTIwZnJvbSUyMHRoZSUyMEJhYnklMjBCb29tZXIlMjBQYXJhZG94X1N0YWNrZXIlMjBRdWVzdGlvbiUyMDMucG5n","originalUrl":"https://cloudfront-us-east-1.images.arcpublishing.com/cmg/GXD4ZE5N4Q3XXA6V64UGHTTT24.png","proxyUrl":"/resizer/v2/GXD4ZE5N4Q3XXA6V64UGHTTT24.png?auth=4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d","published":true,"resizeUrl":"/resizer/v2/GXD4ZE5N4Q3XXA6V64UGHTTT24.png?auth=4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d","restricted":false,"thumbnailResizeUrl":"/resizer/v2/GXD4ZE5N4Q3XXA6V64UGHTTT24.png?auth=4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d&width=300","version":0,"image":{"publish":true}},"address":{},"auth":{"1":"4eeb6f7049a14725b125a1a56519161e5c0491abac6afdec9eaa2de01391874d"},"caption":"A chart showing the price-to-income ratio from 1990 to 2024.","copyright":"Stacker","created_date":"2026-10-08T20:39:36Z","credits":{"affiliation":[{"name":"Stacker","type":"author"}],"by":[{"byline":"Stacker","name":"Stacker","type":"author"}]},"distributor":{"mode":"reference","reference_id":"9ec5f951-e2eb-4d31-b5a8-d59e92844fd7"},"height":800,"image_type":"photograph","last_updated_date":"2026-10-08T20:39:36Z","licensable":false,"owner":{"id":"cmg"},"source":{"name":"Stacker","source_id":"GXD4ZE5N4Q3XXA6V64UGHTTT24","source_type":"wires","additional_properties":{"editor":"photo center"},"system":"Stacker"},"type":"image","url":"https://cloudfront-us-east-1.images.arcpublishing.com/cmg/GXD4ZE5N4Q3XXA6V64UGHTTT24.png","version":"0.10.9","width":1280},{"_id":"NTJZFZW4RJBILO5O4LT3GPRVSI","content":"Hometap","level":5,"type":"header"},{"_id":"JZRE25GFAVCF7KW2JYDEFCXDJU","content":"Price-to-income ratios are for the 100 largest metro areas by population. Income data for 2024 are based on Moody’s Analytics forecasts. Source: JCHS tabulations of National Association of Realtors, Metropolitan Median Area Prices; Moody’s Analytics estimates.","type":"text"},{"_id":"WAJ54USGBNCIJOL2OMLG4DIFVE","content":"What This Means for Younger Homeowners","level":3,"type":"header"},{"_id":"PZUKIO7NYREGLJNOLPE2N424II","content":"The data suggests two things can be true at once. The deck is stacked differently than it was a generation ago, and a lot of the forces at play — rates, prices, inventory, who owns what — are outside any one person's control.","type":"text"},{"_id":"DFTA7Y6IAFH53GYRALT4HIW7PQ","content":"There's a more practical takeaway, too. Homeowners who bought recently, even modestly, are building the same asset that became the foundation of baby boomer wealth. That equity is real, and it doesn't have to wait decades — or sit untouched until it becomes an inheritance — to be understood as a resource.","type":"text"},{"_id":"GPVXALWUSNDSJGQYGXQHTEPVUM","content":"The pattern in the survey data is that a large share of home equity nationally has gone unexamined as something that could be used sooner rather than later. Understanding what equity is worth, and what options exist for accessing it, is a separate question from deciding whether or when to use it — but it's one more homeowners may want to ask earlier than the generation before them did.","type":"text"},{"_id":"BWVWBWMYRJAWBK5M5DVEWTGKXA","content":"Methodology: The survey referenced throughout this article was conducted by AYTM on behalf of Hometap among 1,000 U.S. homeowners ages 18 and over, representing a mix of ages, demographics, and regions. Respondents were recruited through AYTM's online panel and screened to confirm homeownership. Results reflect a 95% confidence level with an approximate 3% margin of error. For this analysis, generations were grouped as millennials (ages 25-44), Generation X (ages 45-64), and baby boomers (ages 65-79).","type":"text"},{"_id":"AHOVRLKRUJFWVETAB5DUU6UFSQ","content":"<a href=\"https://www.hometap.com/blog/baby-boomer-homeownership-paradox\" target=\"_blank\"><em>This story</em></a><em>&nbsp;was produced by </em><a href=\"https://www.hometap.com\" target=\"_blank\"><em>Hometap</em></a><em>&nbsp;and reviewed and distributed by </em><a href=\"https://hubs.la/Q03klgSR0\" rel=\"nofollow\" target=\"_blank\"><em>Stacker</em></a><em>.</em>","type":"text"}],"created_date":"2026-10-08T20:45:41.615Z","credits":{"by":[{"affiliation":"Stacker","name":"Josephine Cardenia for Hometap","type":"author","ver
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858
859      // Mobile only
860      if (document.getElementById('playerToggle').offsetParent === null) {
861        document.body.classList.remove('noscroll');
862      }
863      const playerExpandedContainer = document.getElementById('player');
864      const playerExpandedAd = document.getElementById('playerExpandedAd');
865      if (!playerExpandedContainer) return;
866      if (!self.player.hasAttribute('expanded')) return;
867      self.player.removeAttribute('expanded');
868      playerExpandedAd.innerHTML = '';
869    },
870    toggleExpand: function (interaction) {
871      const self = this;
872      const isExpanded = self.player.hasAttribute('expanded');
873      if (isExpanded) self.collapsePlayer(interaction);else self.expandPlayer(interaction);
874    },
875    votingIcons: {
876      thumbsUp: `<svg id="thumbs-up" width="41" height="41" viewBox="0 0 41 41" fill="none" xmlns="http://www.w3.org/2000/svg">
877        <path d="M15.8763 26.1697H13.012C12.6028 26.1697 12.3164 25.8423 12.3164 25.4741V18.477C12.3164 18.0679 12.6438 17.7814 13.012 17.7814H15.8763C16.2855 17.7814 16.5719 18.1088 16.5719 18.477V25.4741C16.5719 25.8423 16.2855 26.1697 15.8763 26.1697Z" fill="white"/>
878        <path d="M17.4312 18.3543C17.4312 18.3543 19.8862 15.8992 20.7046 14.6717C21.523 13.4441 21.4411 13.0349 21.523 12.6258C21.7276 11.6028 22.5459 11.3982 23.1597 11.3982C23.7735 11.3982 24.7964 11.6028 24.7964 13.4441C24.7964 15.0808 23.9781 16.7176 23.9781 16.7176C23.9781 16.7176 26.4332 16.7176 27.6607 16.7176C28.2745 16.7176 28.8882 17.5359 28.8882 18.3543C28.8882 19.1727 28.6837 19.7864 28.0699 19.991C28.0699 19.991 29.2974 21.2186 28.0699 22.8553C28.0699 22.8553 28.6837 24.2874 27.6607 24.9012C27.6607 24.9012 28.0699 27.7655 24.3872 27.3563C20.7046 26.9471 17.4312 25.7196 17.4312 25.7196V18.3543Z" fill="white"/>
879        <path d="M20.5 41C9.20658 41 0 31.7934 0 20.5C0 9.20658 9.20658 0 20.5 0C31.7934 0 41 9.20658 41 20.5C41 31.7934 31.7934 41 20.5 41ZM2
8790.5 0.818364C9.65668 0.818364 0.818364 9.65668 0.818364 20.5C0.818364 31.3433 9.65668 40.1816 20.5 40.1816C31.3433 40.1816 40.1816 31.3433 40.1816 20.5C40.1816 9.65668 31.3433 0.818364 20.5 0.818364Z" fill="white"/>
880      </svg>`,
881      thumbsUpSelected: `<svg id="thumbs-up_selected" width="41" height="41" viewBox="0 0 41 41" fill="none" xmlns="http://www.w3.org/2000/svg">
882        <path d="M20.5 41C9.20658 41 0 31.7934 0 20.5C0 9.20658 9.20658 0 20.5 0C31.7934 0 41 9.20658 41 20.5C41 31.7934 31.7934 41 20.5 41Z" fill="white"/>
883        <path d="M15.8763 26.1697H13.012C12.6028 26.1697 12.3164 25.8423 12.3164 25.4741V18.477C12.3164 18.0679 12.6438 17.7814 13.012 17.7814H15.8763C16.2855 17.7814 16.5719 18.1088 16.5719 18.477V25.4741C16.5719 25.8423 16.2855 26.1697 15.8763 26.1697Z" fill="white"/>
884        <path d="M15.8763 26.1697H13.012C12.6028 26.1697 12.3164 25.8423 12.3164 25.4741V18.477C12.3164 18.0679 12.6438 17.7814 13.012 17.7814H15.8763C16.2855 17.7814 16.5719 18.1088 16.5719 18.477V25.4741C16.5719 25.8423 16.2855 26.1697 15.8763 26.1697Z" fill="#EC057E"/>
885        <path d="M15.8763 26.1697H13.012C12.6028 26.1697 12.3164 25.8423 12.3164 25.4741V18.477C12.3164 18.0679 12.6438 17.7814 13.012 17.7814H15.8763C16.2855 17.7814 16.5719 18.1088 16.5719 18.477V25.4741C16.5719 25.8423 16.2855 26.1697 15.8763 26.1697Z" fill="#333333"/>
886        <path d="M17.4312 18.3543C17.4312 18.3543 19.8862 15.8992 20.7046 14.6717C21.523 13.4441 21.4411 13.0349 21.523 12.6258C21.7276 11.6028 22.5459 11.3982 23.1597 11.3982C23.7735 11.3982 24.7964 11.6028 24.7964 13.4441C24.7964 15.0808 23.9781 16.7176 23.9781 16.7176C23.9781 16.7176 26.4332 16.7176 27.6607 16.7176C28.2745 16.7176 28.8882 17.5359 28.8882 18.3543C28.8882 19.1727 28.6837 19.7864 28.0699 19.991C28.0699 19.991 29.2974 21.2186 28.0699 22.8553C28.0699 22.8553 28.6837 24.2874 27.6607 24.9012C27.6607 24.9012 28.0699 27.7655 24.3872 27.3563C20.7046 26.9471 17.4312 25.7196 17.4312 25.7196V18.3543Z" fill="white"/>
887        <path d="M17.4312 18.3543C17.4312 18.3543 19.8862 15.8992 20.7046 14.6717C21.523 13.4441 21.4411 13.0349 21.523 12.6258C21.7276 11.6028 22.5459 11.3982 23.1597 11.3982C23.7735 11.3982 24.7964 11.6028 24.7964 13.4441C24.7964 15.0808 23.9781 16.7176 23.9781 16.7176C23.9781 16.7176 26.4332 16.7176 27.6607 16.7176C28.2745 16.7176 28.8882 17.5359 28.8882 18.3543C28.8882 19.1727 28.6837 19.7864 28.0699 19.991C28.0699 19.991 29.2974 21.2186 28.0699 22.8553C28.0699 22.8553 28.6837 24.2874 27.6607 24.9012C27.6607 24.9012 28.0699 27.7655 24.3872 27.3563C20.7046 26.9471 17.4312 25.7196 17.4312 25.7196V18.3543Z" fill="#EC057E"/>
888        <path d="M17.4312 18.3543C17.4312 18.3543 19.8862 15.8992 20.7046 14.6717C21.523 13.4441 21.4411 13.0349 21.523 12.6258C21.7276 11.6028 22.5459 11.3982 23.1597 11.3982C23.7735 11.3982 24.7964 11.6028 24.7964 13.4441C24.7964 15.0808 23.9781 16.7176 23.9781 16.7176C23.9781 16.7176 26.4332 16.7176 27.6607 16.7176C28.2745 16.7176 28.8882 17.5359 28.8882 18.3543C28.8882 19.1727 28.6837 19.7864 28.0699 19.991C28.0699 19.991 29.2974 21.2186 28.0699 22.8553C28.0699 22.8553 28.6837 24.2874 27.6607 24.9012C27.6607 24.9012 28.0699 27.7655 24.3872 27.3563C20.7046 26.9471 17.4312 25.7196 17.4312 25.7196V18.3543Z" fill="#333333"/>
889      </svg>`,
890      thumbsDown: `<svg id="thumbs-down" width="41" height="41" viewBox="0 0 41 41" fill="none" xmlns="http://www.w3.org/2000/svg">
891        <path d="M25.1237 14.8303L27.988 14.8303C28.3972 14.8303 28.6836 15.1577 28.6836 15.5259L28.6836 22.523C28.6836 22.9321 28.3562 23.2186 27.988 23.2186L25.1237 23.2186C24.7145 23.2186 24.4281 22.8912 24.4281 22.523L24.4281 15.5259C24.4281 15.1577 24.7145 14.8303 25.1237 14.8303Z" fill="white"/>
892        <path d="M23.5688 22.6457C23.5688 22.6457 21.1138 25.1008 20.2954 26.3283C19.477 27.5559 19.5589 27.9651 19.477 28.3742C19.2724 29.3972 18.4541 29.6018 17.8403 29.6018C17.2265 29.6018 16.2036 29.3972 16.2036 27.5559C16.2036 25.9192 17.0219 24.2824 17.0219 24.2824C17.0219 24.2824 14.5668 24.2824 13.3393 24.2824C12.7255 24.2824 12.1118 23.4641 12.1118 22.6457C12.1118 21.8273 12.3163 21.2136 12.9301 21.009C12.9301 21.009 11.7026 19.7814 12.9301 18.1447C12.9301 18.1447 12.3163 16.7126 13.3393 16.0988C13.3393 16.0988 12.9301 13.2345 16.6128 13.6437C20.2954 14.0529 23.5688 15.2804 23.5688 15.2804L23.5688 22.6457Z" fill="white"/>
893        <path d="M20.5 -1.32363e-05C31.7934 -1.2249e-05 41 9.20658 41 20.5C41 31.7934 31.7934 41 20.5 41C9.20658 41 8.04865e-07 31.7934 1.79217e-06 20.5C2.77947e-06 9.20658 9.20658 -1.42236e-05 20.5 -1.32363e-05ZM20.5 40.1816C31.3433 40.1816 40.1816 31.3433 40.1816 20.5C40.1816 9.65668 31.3433 0.818351 20.5 0.81835C9.65668 0.818349 0.818366 9.65668 0.818365 20.5C0.818364 31.3433 9.65668 40.1816 20.5 40.1816Z" fill="white"/>
894      </svg>`,
895      thumbsDownSelected: `<svg id="thumbs-down_selected" width="41" height="41" viewBox="0 0 41 41" fill="none" xmlns="http://www.w3.org/2000/svg">
896        <path d="M20.5 1.79217e-06C31.7934 8.04865e-07 41 9.20659 41 20.5C41 31.7934 31.7934 41 20.5 41C9.20658 41 -8.04865e-07 31.7934 -1.79217e-06 20.5C-2.77947e-06 9.2066 9.20658 2.77947e-06 20.5 1.79217e-06Z" fill="white"/>
897        <path d="M25.1237 14.8303L27.988 14.8303C28.3972 14.8303 28.6836 15.1577 28.6836 15.526L28.6836 22.523C28.6836 22.9322 28.3562 23.2186 27.988 23.2186L25.1237 23.2186C24.7145 23.2186 24.4281 22.8912 24.4281 22.523L24.4281 15.526C24.4281 15.1577 24.7145 14.8303 25.1237 14.8303Z" fill="white"/>
898        <path d="M25.1237 14.8303L27.988 14.8303C28.3972 14.8303 28.6836 15.1577 28.6836 15.526L28.6836 22.523C28.6836 22.9322 28.3562 23.2186 27.988 23.2186L25.1237 23.2186C24.7145 23.2186 24.4281 22.8912 24.4281 22.523L24.4281 15.526C24.4281 15.1577 24.7145 14.8303 25.1237 14.8303Z" fill="#EC057E"/>
899        <path d="M25.1237 14.8303L27.988 14.8303C28.3972 14.8303 28.6836 15.1577 28.6836 15.526L28.6836 22.523C28.6836 22.9322 28.3562 23.2186 27.988 23.2186L25.1237 23.2186C24.7145 23.2186 24.4281 22.8912 24.4281 22.523L24.4281 15.526C24.4281 15.1577 24.7145 14.8303 25.1237 14.8303Z" fill="#333333"/>
900        <path d="M23.5688 22.6457C23.5688 22.6457 21.1138 25.1008 20.2954 26.3283C19.477 27.5559 19.5589 27.9651 19.477 28.3743C19.2724 29.3972 18.4541 29.6018 17.8403 29.6018C17.2265 29.6018 16.2036 29.3972 16.2036 27.5559C16.2036 25.9192 17.0219 24.2824 17.0219 24.2824C17.0219 24.2824 14.5668 24.2824 13.3393 24.2824C12.7255 24.2824 12.1118 23.4641 12.1118 22.6457C12.1118 21.8273 12.3163 21.2136 12.9301 21.009C12.9301 21.009 11.7026 19.7814 12.9301 18.1447C12.9301 18.1447 12.3163 16.7126 13.3393 16.0988C13.3393 16.0988 12.9301 13.2345 16.6128 13.6437C20.2954 14.0529 23.5688 15.2804 23.5688 15.2804L23.5688 22.6457Z" fill="white"/>
901        <path d="M23.5688 22.6457C23.5688 22.6457 21.1138 25.1008 20.2954 26.3283C19.477 27.5559 19.5589 27.9651 19.477 28.3743C19.2724 29.3972 18.4541 29.6018 17.8403 29.6018C17.2265 29.6018 16.2036 29.3972 16.2036 27.5559C16.2036 25.9192 17.0219 24.2824 17.0219 24.2824C17.0219 24.2824 14.5668 24.2824 13.3393 24.2824C12.7255 24.2824 12.1118 23.4641 12.1118 22.6457C12.1118 21.8273 12.3163 21.2136 12.9301 21.009C12.9301 21.009 11.7026 19.7814 12.9301 18.1447C12.9301 18.1447 12.3163 16.7126 13.3393 16.0988C13.3393 16.0988 12.9301 13.2345 16.6128 13.6437C20.2954 14.0529 23.5688 15.2804 23.5688 15.2804L23.5688 22.6457Z" fill="#EC057E"/>
902        <path d="M23.5688 22.6457C23.5688 22.6457 21.1138 25.1008 20.2954 26.3283C19.477 27.5559 19.5589 27.9651 19.477 28.3743C19.2724 29.3972 18.4541 29.6018 17.8403 29.6018C17.2265 29.6018 16.2036 29.3972 16.2036 27.5559C16.2036 25.9192 17.0219 24.2824 17.0219 24.2824C17.0219 24.2824 14.5668 24.2824 13.3393 24.2824C12.7255 24.2824 12.1118 23.4641 12.1118 22.6457C12.1118 21.8273 12.3163 21.2136 12.9301 21.009C12.9301 21.009 11.7026 19.7814 12.9301 18.1447C12.9301 18.1447 12.3163 16.7126 13.3393 16.0988C13.3393 16.0988 12.9301 13.2345 16.6128 13.6437C20.2954 14.0529 23.5688 15.2804 23.5688 15.2804L23.5688 22.6457Z" fill="#333333"/>
903      </svg>`
904    },
905    toggleVote: function (interaction) {
906      const self = this;
907      const target = interaction.currentTarget;
908      switch (target.id) {
909        case 'player-thumbsUp':
910          target.innerHTML = self.votingIcons.thumbsUpSelected;
911          document.getElementById('player-thumbsDown').innerHTML = self.votingIcons.thumbsDown;
912          break;
913        case 'player-thumbsUp_expanded':
914          target.innerHTML = self.votingIcons.thumbsUpSelected;
915          document.getElementById('player-thumbsDown_expanded').innerHTML = self.votingIcons.thumbsDown;
916          break;
917        case 'player-thumbsDown':
918          target.innerHTML = self.votingIcons.thumbsDownSelected;
919          document.getElementById('player-thumbsUp').innerHTML = self.votingIcons.thumbsUp;
920          break;
921        case 'player-thumbsDown_expanded':
922          target.innerHTML = self.votingIcons.thumbsDownSelected;
923          document.getElementById('player-thumbsUp_expanded').innerHTML = self.votingIcons.thumbsUp;
924          break;
925        default:
926          document.getElementById('player-thumbsUp').innerHTML = self.votingIcons.thumbsUp;
927          document.getElementById('player-thumbsUp_expanded').innerHTML = self.votingIcons.thumbsUp;
928          document.getElementById('player-thumbsDown').innerHTML = self.votingIcons.thumbsDown;
929          document.getElementById('player-thumbsDown_expanded').innerHTML = self.votingIcons.thumbsDown;
930      }
931    },
932    updatePlayerInfo: function () {
933      const self = this;
934      const title = document.getElementById('miniSongTitle');
935      const artist = document.getElementById('miniSongArtist');
936      const album = document.getElementById('miniSongAlbum');
937      const thumbnail = document.getElementById('miniArt');
938      const epImage = document.getElementById('ep-image');
939      const epArtistSong = document.getElementById('ep-artistSong');
940      const epTwitterShare = document.getElementById('ep-twitterShare');
941      const epBuyNow = document.getElementById('ep-buyNow');
942
943      // Mini Player
944      if (thumbnail.getAttribute('src') !== this.getCMGPPDetails('thumbnailUrl')) {
945        thumbnail.setAttribute('src', this.getCMGPPDetails('thumbnailUrl'));
946        // when a song change happens need to reset the voting icons
947        if (document.getElementById('player-thumbsUp')) {
948          document.getElementById('player-thumbsUp').innerHTML = self.votingIcons['thumbsUp'];
949          document.getElementById('player-thumbsDown').innerHTML = self.votingIcons['thumbsDown'];
950        }
951      }
952
953      // Expanded Player
954      const epImageContainer = document.getElementById('ep-image-container');
955      if (this.getCMGPPDetails('largeImageUrl') === self.args.stationLogo) {
956        epImageContainer.classList.remove('background_black');
957        epImageContainer.classList.add('background_white');
958      } else {
959        epImageContainer.classList.remove('background_white');
960        epImageContainer.classList.add('background_black');
961      }
962      if (this.getCMGPPDetails('largeImageUrl') !== epImage.getAttribute('src')) {
963        epImage.setAttribute('src', this.getCMGPPDetails('largeImageUrl'));
964        epImage.setAttribute('alt', this.getCMGPPDetails('largeImageAlt'));
965        if (document.getElementById('player-thumbsUp_expanded')) {
966          // when a song change happens need to reset voting icons
967          document.getElementById('player-thumbsUp_expanded').innerHTML = self.votingIcons['thumbsUp'];
968          document.getElementById('player-thumbsDown_expanded').innerHTML = self.votingIcons['thumbsDown'];
969        }
970      }
971      if (title.innerHTML !== this.getCMGPPDetails('title')) title.innerHTML = this.getCMGPPDetails('title');
972      if (artist.innerHTML !== this.getCMGPPDetails('artist')) artist.innerHTML = this.getCMGPPDetails('artist');
973      if (album.innerHTML !== this.getCMGPPDetails('albumTitle')) album.innerHTML = this.getCMGPPDetails('albumTitle');
974      let artistAndSong = '<p class="margin-xs-bottom bold">' + this.getCMGPPDetails('title') + '</p><div class="margin-xs-bottom font_size_xs"><p class="bold margin-xs-bottom">' + this.getCMGPPDetails('artist') + '</p><p>' + this.getCMGPPDetails('albumTitle') + '</p></div>';
975      epArtistSong.innerHTML = artistAndSong;
976      const epLearnMore = document.getElementById('ep-learnMore');
977      if (this.getCMGPPDetails('linkUrl')) {
978        epLearnMore.setAttribute('href', this.getCMGPPDetails('linkUrl'));
979        epLearnMore.classList.remove('hidden');
980        epLearnMore.onclick = function () {
981          // send analytics data (onClick on react did not send, this does: do not move)
982          self.args.dataLayerFn(self.args.analyticsEvent, {
983            element: 'persistent',
984            elementSubTitle: 'biography'
985          });
986        };
987      } else {
988        epLearnMore.setAttribute('href', this.getCMGPPDetails('linkUrl'));
989        epLearnMore.classList.add('hidden');
990      }
991      epTwitterShare.setAttribute('href', 'https://twitter.com/intent/tweet?text=' + encodeURIComponent(self.getShareText()) + '&url=' + self.args.stationURL + '/stream');
992      epBuyNow.setAttribute('href', this.getCMGPPDetails('buyLink'));
993      if (this.getCMGPPDetails('buyLink')) epBuyNow.classList.remove('hidden');else epBuyNow.classList.add('hidden');
994
995      // Header Player
996      const headerTitle = document.getElementById('headerSongTitle');
997      if (headerTitle) {
998        if (headerTitle.innerHTML !== this.getCMGPPDetails('title')) headerTitle.innerHTML = this.getCMGPPDetails('title');
999        if (headerTitle.tagName === 'A') {
1000          if (this.getCMGPPDetails('linkUrl')) headerTitle.setAttribute('href', this.getCMGPPDetails('linkUrl'));else headerTitle.removeAttribute('href');
1001        }
1002      }
1003      const headerArtist = document.getElementById('headerSongArtist');
1004      if (headerArtist) {
1005        if (headerArtist.innerHTML !== this.getCMGPPDetails('artist')) headerArtist.innerHTML = this.getCMGPPDetails('artist');
1006        if (headerArtist.tagName === 'A') {
1007          if (this.getCMGPPDetails('linkUrl')) headerArtist.setAttribute('href', this.getCMGPPDetails('linkUrl'));else headerArtist.removeAttribute('href');
1008        }
1009      }
1010    },
1011    headerPPButton: function () {
1012      const self = this;
1013      const headerButton = document.getElementById('header-play-button');
1014      const toggleEventFn = function () {
1015        const persistentPlayerButton = headerButton.classList.contains('persistent-player
1015-controls');
1016        const playButton = headerButton.classList.contains('ui-icon-play');
1017        const retryButton = headerButton.classList.contains('ui-icon-retry');
1018        if (self.args.playerFallback) {
1019          window.open('https://player.streamguys.com/cmg/' + self.args.stationID + '/sgplayer/player.php', 'playerpopup', 'width=974,height=450,location=0,menubar=0,resizable=0,scrollbars=0,status=0,toolbar=0');
1020        } else {
1021          window.fireEvent('TogglePlayer');
1022        }
1023        // send analytics for play-interaction
1024        if (playButton || retryButton) {
1025          self.args.dataLayerFn(self.args.analyticsEvent, {
1026            element: persistentPlayerButton ? 'persistent' : 'header',
1027            elementSubTitle: playButton ? 'play' : 'retry'
1028          });
1029        }
1030      };
1031      headerButton.addEventListener('click', toggleEventFn);
1032    },
1033    setUpEventListeners: function () {
1034      const self = this;
1035      window.addEventListener('ExpandPlayer', function () {
1036        /* istanbul ignore next */
1037        self.expandPlayer();
1038      });
1039      const closePlayer = document.getElementById('player-close');
1040      if (closePlayer) {
1041        closePlayer.addEventListener('click', function () {
1042          /* istanbul ignore next */
1043          self.collapsePlayer(true, true);
1044        });
1045      }
1046      const toggle = document.getElementById('playerToggle');
1047      if (toggle) {
1048        toggle.addEventListener('click', function () {
1049          /* istanbul ignore next */
1050          self.toggleExpand(true);
1051        });
1052      }
1053
1054      // toggle event for mobile only
1055      const ppDetails = document.getElementById('ppDetails');
1056      if (ppDetails) {
1057        document.getElementById('ppDetails').addEventListener('click', function () {
1058          /* istanbul ignore next */
1059          if (document.getElementById('playerToggle').offsetParent === null) {
1060            self.toggleExpand(true);
1061          }
1062        });
1063      }
1064      const epLearnMore = document.getElementById('ep-learnMore');
1065      /* istanbul ignore next */
1066      epLearnMore.addEventListener('click', function () {
1067        self.collapsePlayer();
1068      });
1069
1070      // toggle voting icons
1071      const toggleVotingIcons = document.querySelectorAll('.pp-toggle-voting');
1072      for (let i = 0; i < toggleVotingIcons.length; ++i) {
1073        const toggleVotingIcon = toggleVotingIcons[i];
1074        if (toggleVotingIcon) toggleVotingIcon.addEventListener('click', function (e) {
1075          self.toggleVote(e);
1076        });
1077      }
1078
1079      // toggle play/pause listener
1080      const togglePlayerButtons = document.querySelectorAll('.pp-toggle-play-pause');
1081      for (let i = 0; i < togglePlayerButtons.length; ++i) {
1082        const togglePlayerButton = togglePlayerButtons[i];
1083        if (togglePlayerButton) togglePlayerButton.addEventListener('click', function () {
1084          const persistentPlayerButton = togglePlayerButton.classList.contains('persistent-player
1084-controls');
1085          const playButton = togglePlayerButton.querySelectorAll('.ui-icon-play').length > 0 || togglePlayerButton.classList.contains('ui-icon-play');
1086          const retryButton = togglePlayerButton.querySelectorAll('.ui-icon-retry').length > 0 || togglePlayerButton.classList.contains('ui-icon-retry');
1087          if (self.args.playerFallback) {
1088            window.open('https://player.streamguys.com/cmg/' + self.args.stationID + '/sgplayer/player.php', 'playerpopup', 'width=974,height=450,location=0,menubar=0,resizable=0,scrollbars=0,status=0,toolbar=0');
1089          } else {
1090            window.fireEvent('TogglePlayer');
1091          }
1092          // send analytics for play-interaction
1093          if (playButton || retryButton) {
1094            self.args.dataLayerFn(self.args.analyticsEvent, {
1095              element: persistentPlayerButton ? 'persistent' : 'header',
1096              elementSubTitle: playButton ? 'play' : 'retry'
1097            });
1098          }
1099        });
1100      }
1101      ;
1102
1103      // buy now listener
1104      window.addEventListener('BuyNow', function (event) {
1105        if (!historyId || historyId !== event.detail.id || !event.detail.linkUrl) return;
1106        self.setCMGPPDetails('buyLink', event.detail.linkUrl);
1107        self.updatePlayerInfo();
1108      });
1109
1110      // lsp listener (music sites)
1111      let historyId;
1112      window.addEventListener('LSP', function (event) {
1113        const playerVoting = document.getElementById('player-voting');
1114        const playerVotingExpanded = document.getElementById('player-voting_expanded');
1115        const latest = event.detail.data.length && event.detail.data[0];
1116        if (!latest) return;
1117        const newId = latest.isSong ? latest.id : null;
1118        if (historyId !== newId) self.setCMGPPDetails('buyLink', '');
1119        if (latest.isSong) {
1120          let thumbnailUrl = self.args.stationLogoSmall;
1121          if (latest.artists.length && latest.artists[0].metadata && latest.artists[0].metadata.thumbnailUrl) {
1122            thumbnailUrl = latest.artists[0].metadata.thumbnailUrl;
1123          }
1124          let epImageUrl = latest.artists.length && latest.artists[0].metadata && latest.artists[0].metadata.mediumImageUrl ? latest.artists[0].metadata.mediumImageUrl : self.args.stationLogo;
1125          const fetchTivoImageBinary = (variable, url) => {
1126            function arrayBufferToBase64(buffer) {
1127              let binary = '';
1128              const bytes = new Uint8Array(buffer);
1129              const len = bytes.byteLength;
1130              for (let i = 0; i < len; i += 1) {
1131                binary += String.fromCharCode(bytes[i]);
1132              }
1133              return window.btoa(binary);
1134            }
1135            const headers = new Headers({
1136              'x-tmm-keyid': 'TAC1003',
1137              'x-tmm-apikey': event.detail.TIVO_API_KEY
1138            });
1139            const options = {
1140              method: 'GET',
1141              headers: headers,
1142              mode: 'cors'
1143            };
1144            const promise = fetch(url, options).then(response => {
1145              const buffer = response.arrayBuffer();
1146              return buffer;
1147            }).then(buffer => {
1148              const b64encoded = arrayBufferToBase64(buffer);
1149              const data = `data:image/jpeg;base64, ${b64encoded}`;
1150              self.setCMGPPDetails(variable, data);
1151            });
1152            return promise;
1153          };
1154          if (thumbnailUrl !== self.args.stationLogoSmall && epImageUrl !== self.args.stationLogo && !thumbnailUrl.includes('cps-static') && !!event.detail.TIVO_API_KEY) {
1155            const thumbnailPromise = fetchTivoImageBinary('thumbnailUrl', thumbnailUrl);
1156            const epImagePromise = fetchTivoImageBinary('largeImageUrl', epImageUrl);
1157            Promise.any([thumbnailPromise, epImagePromise]);
1158          } else {
1159            self.setCMGPPDetails('thumbnailUrl', thumbnailUrl);
1160            self.setCMGPPDetails('largeImageUrl', epImageUrl);
1161          }
1162
1163          // song info is injected by StreamGuys
1164          const sgTitle = document.getElementById('songTitle');
1165          const sgArtist = document.getElementById('songArtist');
1166          const sgAlbum = document.getElementById('songAlbum');
1167          let albumTitle = '';
1168          if (sgAlbum) {
1169            const titleMatch = sgTitle && sgTitle.innerHTML.toLowerCase() === latest.title.toLowerCase();
1170            const artistMatch = sgArtist && sgArtist.innerHTML.toLowerCase() === latest.artist.toLowerCase();
1171            if (titleMatch && artistMatch) {
1172              // use the streamguys provided album if the title and artist match
1173              albumTitle = sgAlbum.innerHTML;
1174            } else if (historyId === newId) {
1175              // don't change the currently displayed album name if lsp has not updated
1176              albumTitle = self.getCMGPPDetails('albumTitle');
1177            }
1178          }
1179          self.setCMGPPDetails('albumTitle', albumTitle);
1180          self.setCMGPPDetails('largeImageAlt', latest.artists.length && latest.artists[0].metadata && latest.artists[0].metadata.mediumImageUrl ? latest.artist : self.args.stationTitle);
1181          self.setCMGPPDetails('artist', latest.artist);
1182          self.setCMGPPDetails('title', latest.title);
1183          if (latest.artists[0]) {
1184            self.setCMGPPDetails('linkUrl', '/lsp/artist/bio/' + latest.artists[0].slug + '/');
1185          } else {
1186            self.setCMGPPDetails('linkUrl', '');
1187          }
1188          playerVoting.classList.remove('hidden');
1189          playerVotingExpanded.classList.remove('hidden');
1190        } else {
1191          self.setCMGPPDetails('thumbnailUrl', self.args.stationLogoSmall);
1192          self.setCMGPPDetails('largeImageUrl', self.args.stationLogo);
1193          self.setCMGPPDetails('largeImageAlt', self.args.stationTitle);
1194          self.setCMGPPDetails('artist', self.args.stationStatement);
1195          self.setCMGPPDetails('title', self.args.stationTitle);
1196          self.setCMGPPDetails('albumTitle', '');
1197          self.setCMGPPDetails('linkUrl', '');
1198          playerVoting.classList.add('hidden');
1199          playerVotingExpanded.classList.add('hidden');
1200        }
1201
1202        // fire the event after we've already done all of our processing to avoid data mutation side-effects
1203        const detail = {
1204          type: 'LSP',
1205          data: event.detail
1206        };
1207        window.fireEvent(self.args.type, detail);
1208        historyId = newId;
1209        self.updatePlayerInfo();
1210      });
1211
1212      // scheduler listener (newstalk)
1213      window.addEventListener('Scheduler', function (event) {
1214        const data = {};
1215        if (event.detail.current) {
1216          const current = event.detail.current;
1217          data.thumbnailUrl = self.args.stationLogoSmall;
1218          if (current.images && current.images.square) {
1219            data.thumbnailUrl = current.images.square;
1220          }
1221          if (current.images && current.images.lowres) {
1222            data.largeImageUrl = current.images.lowres;
1223            data.largeImageAlt = current.title;
1224          } else {
1225            data.largeImageUrl = self.args.stationLogo;
1226            data.largeImageAlt = self.args.stationTitle;
1227          }
1228          data.artist = current.showtime;
1229          data.title = current.title;
1230          data.linkUrl = current.url;
1231        } else {
1232          data.thumbnailUrl = self.args.stationLogoSmall;
1233          data.largeImageUrl = self.args.stationLogo;
1234          data.largeImageAlt = self.args.stationTitle;
1235          data.artist = self.args.stationStatement;
1236          data.title = self.args.stationTitle;
1237          data.linkUrl = '';
1238        }
1239
1240        // exceptions
1241        if (self.args.stationURL === 'https://www.theboneonline.com') {
1242          data.linkUrl = '/bonetv';
1243        }
1244
1245        // send the normalized data to other components
1246        const detail = {
1247          type: 'Scheduler',
1248          data: {
1249            image: data.largeImageUrl,
1250            imageAlt: data.largeImageAlt,
1251            title: data.title,
1252            time: data.artist,
1253            url: data.linkUrl,
1254            original: event.detail
1255          }
1256        };
1257        window.fireEvent(self.args.type, detail);
1258
1259        // only update the persistent player info if this is not a music site
1260        if (!self.args.isMusicSite) {
1261          Object.keys(data).forEach(function (key) {
1262            self.setCMGPPDetails(key, data[key]);
1263          });
1264          self.updatePlayerInfo();
1265        }
1266      });
1267
1268      // modal button listeners
1269      const modal = document.getElementById('player-retry-modal');
1270      if (modal) {
1271        const closeModal = document.getElementById('closeModal');
1272        if (closeModal) closeModal.addEventListener('click', function () {
1273          modal.classList.add('hidden');
1274          document.body.classList.remove('locked');
1275        });
1276        const retryButton = document.getElementById('retryPlay');
1277        if (retryButton) retryButton.addEventListener('click', function () {
1278          self.args.dataLayerFn(self.args.analyticsEvent, {
1279            element: 'retry modal',
1280            elementSubTitle: 'retry'
1281          });
1282          modal.classList.add('hidden');
1283          document.body.classList.remove('locked');
1284          window.fireEvent('TogglePlayer');
1285        });
1286      }
1287      ;
1288
1289      // adjust persistent player volume
1290      const volumeButton = document.getElementById("volumeButton");
1291      if (volumeButton) {
1292        volumeButton.oninput = function () {
1293          const playerControls = document.getElementById('playerControls');
1294          const playerControlsStyle = getComputedStyle(playerControls);
1295          const backgroundColor = self.args.isMusicSite ? 'white' : playerControlsStyle.backgroundColor;
1296          this.style.background = 'linear-gradient(to right, ' + backgroundColor + ' 0%, ' + backgroundColor + ' ' + this.value + '%, #afafaf ' + this.value + '%, #afafaf 100%)';
1297          const newVolume = event.target.value / 100;
1298          _sgplayer.setVol(_sgplayer.audioElement, newVolume);
1299        };
1300      }
1301    },
1302    init: function (type, isMusicSite, stationTitle, stationStatement, stationLogoSmall, stationLogo, stationURL, facebookAppID, playerFallback, stationID, analyticsEvent, dataLayerFn) {
1303      this.player = document.getElementById('persistent-player');
1304      if (!this.player) return null;
1305      this.data.thumbnailUrl = stationLogoSmall;
1306      this.data.largeImageUrl = stationLogo;
1307      this.data.largeImageAlt = stationTitle;
1308      this.args = {
1309        type,
1310        isMusicSite,
1311        stationTitle,
1312        stationStatement,
1313        stationLogoSmall,
1314        stationLogo,
1315        stationURL,
1316        facebookAppID,
1317        playerFallback,
1318        stationID,
1319        analyticsEvent,
1320        dataLayerFn
1321      };
1322      this.setUpFacebookShare(facebookAppID);
1323      this.setUpEventListeners();
1324      return;
1325    }
1326  };
1327});</script>
1327</div><div id="fusion-static-exit:persistent-audio-player-static-container" style="display:none" data-fusion-component="persistent-audio-player-static-container" data-persistent-exit="true"></div>
1327<script type="text/javascript">(function () {
1328const smartTruncation = (window.smartTruncation = window.smartTruncation || {});
1329const loadTruncationScript = (callback) => {
1330  if (smartTruncation.callbacks) {
1331    smartTruncation.callbacks.push(callback);
1332  } else {
1333    smartTruncation.staticTruncateClassName = 'smart-truncation-static';
1334    smartTruncation.logPrefix = '[Truncation]';
1335    smartTruncation.breakpoints = {"small":0,"medium":768,"large":992};
1336    const s = document.createElement('script');
1337    s.src = '/pf/resources/js/truncate.js?d=1373';
1338    s.onload = () => smartTruncation.callbacks.forEach(cb => cb());
1339    s.defer = true;
1340    s.id = 'smartTruncation';
1341    document.head.appendChild(s);
1342    smartTruncation.callbacks = [];
1343    if (callback) {
1344        smartTruncation.callbacks.push(callback);
1345    }
1346  }
1347};
1348smartTruncation.applyDynamicTruncation = (truncationData, resetOriginalText) => {
1349  if (smartTruncation.applyTruncation) {
1350    smartTruncation.applyTruncation(truncationData, resetOriginalText);
1351  } else {
1352    loadTruncationScript(() => smartTruncation.applyTruncation(truncationData, resetOriginalText));
1353  }
1354};
1355if (false) {
1356    loadTruncationScript();
1357}
1358})();
1359</script>
1359</body></html>

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