Economy

Ok doomer. My wife and I are both solidly millennials who bought a house in the 2010s for $230K then refinanced in 2021 at the lowest interest rate, so we have a very affordable payment. Interest rates will go back down again, and home prices in my city are well off their 2023 peak and continuing to trend down

Um, no. Want a pension? Go work the jobs Tim did - generally federal workers, teachers railroad workers, postal employees, state employees, etc. have pensions and/or annuity plans.