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Forecaster

A Forecaster research draft
By Kevin L. Michel
Digital PDF edition

Money & work · COMPLETE RESEARCH DRAFT

A Home Is Not a Jackpot

Housing, belonging, and the dangerous promise of effortless wealth

A case for secure, well-maintained homes within reach: more places to live, stronger tenant protections, ownership without a gamble, and a fair transition for the people already here.

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Contents

  1. The House on the Phone
  2. The Price of Getting In
  3. The Ladder With Missing Rungs
  4. The Rent Has a Deadline
  5. The Neighborhood That Said No
  6. Build Homes People Can Reach
  7. Ownership Without the Gamble
  8. A Better Deal for the People Already Here
  9. Stop Asking the House to Save Us
  10. A Place in the Future
The idea behind the book +

Harvard's 2026 State of the Nation's Housing report highlights home price-to-income ratios near record highs and housing cost burdens across the country. Those conditions make the distinction between finding a home and chasing an asset especially relevant.