Millennials tell boomers ‘we refuse to take care of you’ after you nuked the housing market — ‘this is a consequence of your actions’

Getting older is inevitable. Finding someone willing—or able—to care for you may not be.

That’s the sentiment behind a post on Reddit where millennials argued many baby boomers shouldn’t expect their children to step into caregiving roles after years of rising housing costs, student debt and financial challenges that they say delayed their own ability to build stable lives.

The post asked whether America’s aging baby boomer population could create a caregiver crisis for millennials. The original poster didn’t leave much room for interpretation.

"Not an issue, we refuse to take care of you," the poster wrote. "Old folks home it will be."

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Many commenters said the issue wasn’t really about caregiving at all.

"You saddle the younger generation with crushing debt, give them a struggling economy and nuke the housing market," one commenter wrote. "This is a consequence of your actions."

Another added a sarcastic response often directed at younger generations, posting, "I think they should just pull themselves up by their bootstraps."

More Than a Caregiving Debate

The conversation quickly turned to housing.

According to the National Association of Realtors, baby boomers accounted for 42% of home buyers in 2025, while first-time buyers fell to a record-low 21% share.

Whether or not those numbers explain the frustration expressed on Reddit, they highlight a reality facing many younger Americans: buying a home has become increasingly difficult at the same time millions of parents are entering the years when they may need additional care.

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The caregiving challenge could become even more pronounced in the years ahead. A LogicMark-commissioned survey published in June estimated the U.S. could face a shortage of roughly 355,000 professional caregivers by 2040, leaving more families to navigate those responsibilities on their own.

Planning Ahead Can Make a Difference

No generation is immune to the financial and emotional challenges that can come with aging parents. Financial planners often encourage families to discuss long-term care preferences before a crisis, understand what Medicare and long-term care insurance cover, and build emergency savings that can help absorb unexpected expenses.

For people still working toward financial goals of their own, investing early—even in small amounts—can also help build flexibility over time.

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Some investors who aren’t ready to purchase an entire home have turned to platforms like Arrived, which allows users to invest in fractional shares of professionally managed rental properties with investments starting at around $100.

Others are looking beyond public markets altogether. Immersed, a startup developing AR/VR workspace technology, is currently raising capital from everyday investors ahead of a potential public listing. The company is building software that lets users create virtual multi-monitor workspaces, an approach aimed at making remote work more productive and flexible.

The Reddit post centered on who should care for an aging generation. The broader takeaway is that conversations about housing, retirement and financial planning are becoming increasingly connected—and the earlier families begin preparing for them, the more options they’re likely to have.

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Building Wealth Across More Than Just the Market

Building a resilient portfolio means thinking beyond a single asset or market trend. Economic cycles shift, sectors rise and fall, and no one investment performs well in every environment. That’s why many investors look to diversify with platforms that provide access to real estate, fixed-income opportunities, precious metals, and even self-directed retirement accounts. By spreading exposure across multiple asset classes, it becomes easier to manage risk, capture steady returns, and create long-term wealth that isn’t tied to the fortunes of just one company or industry.

Arrived

Backed by Jeff Bezos, Arrived Homes makes real estate investing accessible with a low barrier to entry. Investors can buy fractional shares of single-family rentals and vacation homes starting with as little as $100. This allows everyday investors to diversify into real estate, collect rental income, and build long-term wealth without needing to manage properties directly.

Realberry

Institutional-quality real estate has traditionally been difficult for individual investors to access. Realberry gives accredited investors direct access to private real estate opportunities backed by a team with 35 years of experience, $3.4 billion in assets under management, and $481 million in cumulative distributions paid to investors as of Q4 2025, according to the company. With a portfolio spanning 13 million square feet across seven U.S. states, Realberry focuses on acquiring, developing, and managing real estate with an emphasis on long-term value creation while its principals often invest alongside clients to help align interests.

FarmTogether

Farmland has historically held its value through market volatility and delivered returns uncorrelated to stocks and bonds. For accredited investors, FarmTogether offers direct access to high-quality U.S. farmland starting at $15,000 — fully managed, with no landlord headaches.

Immersed

Immersed is building technology for the future of work through spatial computing. Known for its AR/VR productivity platform that enables users to work across multiple virtual screens, the company has grown to more than 1.5 million users worldwide. Immersed is also developing Visor, a lightweight headset designed specifically for professional productivity, positioning the company at the intersection of remote work, extended reality (XR), and next-generation computing.

Fundrise

Private real estate and private credit can add income and stability to a stock-heavy portfolio. Fundrise offers access to diversified private real estate and credit strategies through an easy-to-use platform, with professionally managed portfolios designed to generate passive income and long-term growth.

Mode Mobile

Mode Mobile is changing the way people interact with their phones by letting users earn money from the same apps and activities they already use every day. Instead of platforms keeping all the advertising revenue, Mode Mobile shares a portion back with users who engage with content, play games, and scroll on their devices. Named one of Deloitte’s fastest-growing software companies in North America, the company has built a large beta user base and is scaling a model that turns everyday smartphone usage into a potential income stream. 

EquityMultiple 

For accredited investors looking beyond stocks and bonds, EquityMultiple provides access to vetted commercial real estate deals starting at $5,000, with only ~5% of opportunities passing their due diligence process.

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This article Millennials Tell Boomers ‘We Refuse to Take Care of You’ After You Nuked the Housing Market — ‘This Is a Consequence of Your Actions’ originally appeared on Benzinga.com.