Wall Street prophets warn: Nearly half of the Baby Boomer generation cannot afford "retirement expenses," and the mortgage surge puts heavy pressure on the housing market.

Financial analyst Meredith Whitney warned that although baby boomers are sitting on huge amounts of wealth, the unequal distribution has left many people unable to afford elderly care and can only "age in place", which not only exacerbates the tight inventory in the housing market, but also poses a potential risk to the overall economy. (Synopsis: Bitcoin's market value returns to $2 trillion, surpassing e-commerce leader Amazon (Amazon) to become the world's fifth largest asset) (Background supplement: Bitcoin soared by 104,000 "US-UK tariff agreement + Trump's goodwill to China, the four major indexes of US stocks are rising) Meredith, a financial analyst who was praised by Bloomberg as a "Wall Street prophet" and accurately predicted the 2008 financial crisis Once again, Whitney warned the market. She said that although the American baby boomers collectively have a staggering wealth of up to $75 trillion, they are extremely unevenly distributed, resulting in many baby boomers entering retirement age who are financially stretched and unable to afford living in their later years. Baby boomers generally refer to the generation born between 1946 and 1964. She further pointed out that this financial pressure is forcing them to choose to continue living in their original homes, and this trend of "aging in place" not only limits their own care options, but also becomes one of the key factors in the current continuous tightening of inventory in the US real estate market, which in turn affects the overall economic boom. The Baby Boomer Wealth Illusion: Worries Under $75 Trillion Whitney noted that cash-strapped Americans are using mortgages to cope with spending, up to 44 percent of whom are seniors, a phenomenon she calls "counterintuitive" and highlights the financial vulnerability of individuals behind superficial wealth figures. At the same time, Whitney said that because the cost of sponsorship living (such as the cost of professional care institutions) has risen significantly in recent years, many baby boomers who rely on fixed incomes such as Social Security find that they simply cannot afford such facilities. Only about 1 in 10 older persons have sufficient financial means to support themselves. As a result, economic pressures have forced a large number of baby boomers to choose to "age in place", that is, continue to live in their original homes for their old age, rather than move to specialized nursing homes. The data also confirms that about 45% of baby boomers do not have enough retirement savings and rely mainly on Social Security and possibly retirement, making the cost of long-term care a heavy financial burden. The Ripple Effect of Tight Housing Inventory and Recession Warning Whitney analyzed that baby boomers generally delay selling existing homes due to "aging in place", which directly leads to a reduction in housing inventory in the market, especially entry-level homes. At the same time, persistently high mortgage rates have further created a so-called "lock-in effect," exacerbating inventory constraints by homeowners who bought or refinanced during periods of low interest rates in the past and are reluctant to sell and buy new homes under the current high borrowing costs. While millennials are in their traditional prime of homeownership, data shows that baby boomers still make up a whopping 42% of all homebuyers, compared to just 29% of millennials. On the one hand, this phenomenon shows that older buyers with relatively sufficient funds still have purchasing power in a tight market (unequal distribution of wealth), but young people suffer because they cannot afford or sell, and the real estate market stagnates. In addition, Whitney also expects that under Trump's trade war, the US economy will face a slowdown, and industries such as retail and catering will be significantly affected, and the US unemployment rate may rise from the current 4.2% to 6% this fall. While she believes the current banking system is more capitalized than it was during the 2008 financial crisis and is unlikely to repeat a systemic collapse, she expects the market to experience a "mild to moderate" recession. She stressed that even if the big banks survive, consumers are already facing difficulties, and the challenges will be even more severe in the future, which will eventually push up unemployment. 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