The Broken Housing Model and the Case for Stable Living │ Chris Moeller

2025-12-08

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The median US income is $68,000. Only 13% of the US workforce earns a salary; everyone else is paid by the hour or hustling in the gig economy. The median home price is $440,000. Housing is unaffordable because the system is built to extract value rather than create stability.“Affordable housing” is a great idea. But flawed. It relies on outdated subsidies, wage assumptions that no longer hold, and ownership models that extract rather than stabilise. Chris Moeller joins Mark and Jeremy to Think on Paper about an alternative: stable livin...

The median US income is $68,000. Only 13% of the US workforce earns a salary; everyone else is paid by the hour or hustling in the gig economy. The median home price is $440,000.

Housing is unaffordable because the system is built to extract value rather than create stability.

“Affordable housing” is a great idea. But flawed. It relies on outdated subsidies, wage assumptions that no longer hold, and ownership models that extract rather than stabilise.

Chris Moeller joins Mark and Jeremy to Think on Paper about an alternative: stable living.

Stable living is a model built on long-term security instead of short-term yield. It separates land from structures, brings ownership back to residents, and uses impact capital, industrialised construction, and better coordination technology to rebuild the fundamentals.

Please enjoy the show.

And remember: Stay curious. Be disruptive. Keep Thinking on Paper.

Cheers, Mark & Jeremy

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