{"id":419,"date":"2026-05-31T15:25:55","date_gmt":"2026-05-31T15:25:55","guid":{"rendered":"https:\/\/crosscountrymovingteams.com\/?p=419"},"modified":"2026-05-31T15:25:55","modified_gmt":"2026-05-31T15:25:55","slug":"i-wrote-that-boomers-were-choking-americas-economy-their-responses-to-me-were-revealing","status":"publish","type":"post","link":"https:\/\/crosscountrymovingteams.com\/?p=419","title":{"rendered":"I wrote that Boomers were choking America\u2019s economy. Their responses to me were revealing"},"content":{"rendered":"
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The piece argued that the U.S. economy is like a python that swallowed a pig when boomers entered the housing and labor markets in the 1970s, and that bulge is still moving through. Boomers, boosted by falling interest rates, rising asset prices, and better health, are staying longer in big houses and senior jobs, leaving less space for younger families to buy homes or move up at work. They also dominate the presidency and the Senate, with little sign of relinquishing control. As a group, they hold a disproportionate share of the houses, high\u2011status jobs, and institutional power\u2014and they\u2019re hanging on to all three. That\u2019s great for them, suffocating for the generations behind them, and it provokes strong reactions all around.<\/p>\n

Read more Special operations commander says while AI could determine targets, humans must be sure \u2018it\u2019s going to deliver violence only where we intend it\u2019<\/a><\/p>\n

The reaction to my column was less a comment section than an X\u2011ray of how aging Americans feel and think about age, blame, and a system that feels stuck. Some readers heard a structural argument about demographics and housing; others heard a death wish aimed at the Baby Boom generation. A few went further than that.<\/p>\n

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\u201cDear Nick,\u201d one email began. \u201cI apologize for not dying soon enough for you, so your generation can pick over my financial bones. Sincerely, a boomer who is in excellent health (sorry).\u201d Another wondered: \u201cAre you suggesting putting boomers on ice floes or turning them into Soylent green?\u201d <\/p>\n

One correspondent dispensed with metaphor entirely. \u201cYou and people like you should all be shot in the head and dumped in a ditch,\u201d he wrote, before insisting this was \u201cnot a threat\u201d but \u201ca statement of fact\u201d about what \u201cought to\u201d happen to people like me. That exchange went to our legal team.<\/p>\n

Another reader, a 73-year-old who described herself as an \u201cold lady in Phoenix,\u201d threatened something much tamer. \u201cIf I was your mom, I would spank you!\u201d she wrote. But it\u2019s true, she added, boomers like her were lucky that they were able to \u201cplay outside and had the best music and affordable homes and good jobs with no college.\u201d <\/p>\n

Most of the responses were not violent. They were angry, defensive, sometimes generous, and often revealing. Taken together, they didn\u2019t refute the idea that a giant cohort of older Americans is lodged in the economy\u2019s throat. They tell a story, sometimes a primal scream, that\u2019s more complicated than \u201cboomers bad, everyone else good.\u201d They also show how hard it is to write about generations as economic facts without people hearing it as a moral indictment. Above all, many of them feel just as stuck as millennials and Gen Z. <\/p>\n

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\u2018What exactly did I do wrong?\u2019<\/h2>\n

If you only read the subject lines\u2014\u201cBoomers Strangling the Economy,\u201d \u201cWhat\u2019s your damage?\u201d \u201cArticle is full of lies\u201d\u2014you\u2019d assume the entire boomer mailbag was hostile. A fair number were. <\/p>\n

But a large share of the mail didn\u2019t start with ideology but biography. One reader laid out the classic life script in bullet points: \u201cI bought a true fixer upper, worked 2 jobs through my 20s & 30s, went to night school to get a degree, raised my family, took care of my mom in her older years, started a business [and] employed young people,\u201d they wrote. \u201cWhat exactly did I do wrong? \u2026 What is it that you want me to do differently?\u201d<\/p>\n

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Another email came from a boomer who built their home \u201cwith the help of a few friends\u201d and bristled at the idea that they were expected to vacate it on command. \u201cAs a boomer born in \u201961 it is now expected that I leave my home?\u201d they asked. \u201cI will leave it when I am good and ready to do so.\u201d <\/p>\n

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A different reader put it more bluntly: \u201cI\u2019m 67, worked all my life, still paying on my mortgage and can\u2019t afford to move or quit \u2013 my medication I MUST take runs over $2,000 a month after insurance.\u201d<\/p>\n

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One of the most affecting responses came from a woman who described herself simply as \u201ca boomer\u201d living \u201cin a large house with my four dogs..\u201d She said her Gen X husband moved them to be closer to our jobs, \u201cthen in 2017, he went out running on his lunch hour and literally dropped dead.\u201d She looked at downsizing, but \u201cit was actually more cost-effective to stay where I\u2019m at because smaller, not as nice houses were more expensive than the house I was living in \u2026 some of the houses that used to be $100k in the next subdivision over are now worth more than I paid for my house.\u201d The mortgage wasn\u2019t covered by his insurance, so she kept working. <\/p>\n

The woman who wanted to spank me shared a similar experience: \u201cWe are not moving \u2019cause where would we go??\u00a0 One bedroom apts. cost more than our mortgage!\u00a0 We cannot afford a senior living place \u2026 we are NOT rich, just comfortable at the moment.\u201d She\u2019s not imagining it. Since the pandemic, the median U.S. home price has grown roughly 40%-50%, with many Sun Belt and pandemic\u2011boom markets in the 60\u201380% range. This is roughly twice the rate of median income, and rents in many metro areas have outpaced both. A one\u2011bedroom apartment in a lot of Sun Belt cities now costs as much or more than the monthly payment on a 1990s\u2011era mortgage locked in at 3%.<\/p>\n

There is a throughline in these stories. These boomers do not feel like they are hoarding anything. They feel like they followed the rules\u2014buy, don\u2019t rent; stay put once you lock in a good rate; work as long as you can\u2014and are now being told that the compound effect of their choices looks, from the outside, like a historical crime.<\/p>\n

\u2018One of the biggest reasons many don\u2019t move: taxes\u2019<\/h2>\n

Some of the most concrete replies came from people who agreed that the system is jammed but insisted that the culprit is policy, not personality. A California reader argued that my original piece \u201cdoesn\u2019t address one of the biggest reasons many don\u2019t move: taxes.\u201d<\/p>\n

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\u201cOur house cost $1.05M 28 years ago and is now worth around $4.2M,\u201d they wrote. \u201cSelling would trigger close to $1M in combined federal and California taxes.\u201d Under current rules, they pointed out, capital gains above the $500,000 homeowner exclusion are hit with federal capital gains tax, a 3.8% net investment income tax, and as much as 13.3% in California income tax. With those numbers, staying in place is not selfish; it is rational. (This is a dynamic that I covered last fall.)<\/p>\n

Another mailer pushed the same idea in more populist terms: \u201cIt\u2019s not anybody\u2019s or any generation\u2019s fault that the economy [is] the way it is,\u201d they wrote. \u201cIt\u2019s more or less the government\u2019s fault for being greedy and greedy corporations [that] drove all these prices up. Don\u2019t try to blame people for what your corporations and your government is doing.\u201d<\/p>\n

Even some of the readers who seemed to loathe everything about the piece admitted the structure of our economy is the real villain. \u201cWe are mostly a generation of people who can\u2019t pay their bills and have to work beyond retirement age,\u201d one wrote. \u201cWe can\u2019t afford to sell our homes and move.\u201d <\/p>\n

Boomers aren\u2019t quietly exiting the stage: Americans now retire, on average, in their early 60s\u2014around 64 for men and 62 for women, up from about 57 in 1991\u2014even as full Social Security benefits for younger boomers don\u2019t kick in until 67, and roughly 9% of Americans 75 and older are still working. The Bureau of Labor Statistics projects that the 65\u201374 and 75+ age groups will continue to see labor\u2011force growth, much of it in part\u2011time or self\u2011employed roles.<\/p>\n

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The story of Kate<\/h2>\n

And then there\u2019s Kate, from Montana. Kate wrote to me several weeks ago in response to a piece I wrote about how America got rich and then got sad, based on research from the University of Chicago\u2019s Sam Peltzman. The retired economics legend found that over 50 years of survey data, nothing compares to the \u201cgreat happiness crash\u201d that occurred since 2020. Kate\u2019s response has been sitting in my inbox ever since, with permission to use her first name.<\/p>\n

Kate is 71 years old, she\u2019s an operating room nurse, and she\u2019s the opposite of a cartoon villain.<\/p>\n

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She started earning as a babysitter at 12 and filing tax returns in 1971, four years before she graduated nursing school. In 1975, she walked into an operating room as a brand\u2011new RN making $4.75 an hour and fell in love with the work\u2014the precision, the stakes, the feeling of a team moving \u201clike a single organism.\u201d She would spend the next 51 years scrubbing, circulating, assisting, and eventually leading those teams.<\/p>\n

Read more Samsung\u2019s UK boss keeps a signed $100 bill she\u2019s never allowed to spend\u2014and shares her best and worst investments<\/a><\/p>\n<\/blockquote>\n

\u201cI am not writing this for sympathy,\u201d she told me. \u201cI am writing this because fine is not the same as secure, and I think a lot of Americans my age\u2014especially women, especially those of us who worked in caregiving professions\u2014know exactly what I mean.\u201d<\/p>\n

Outside the hospital, she raised five kids\u2014two biological and three who became family through circumstances. Today, one runs a charter school and is preparing to open a second campus; another is a senior research scientist at Eli Lilly; another is a physical therapist; the others are building their own lives. \u201cWhatever I did, however imperfectly, it produced people I am proud of,\u201d she wrote.<\/p>\n

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If you want to understand how a country can be richer on paper and more anxious in practice, Kate is the kind of person Peltzman is talking about: decades of essential work, modest assets, and a constant fear that one policy change or medical bill could knock it all down.<\/p>\n

By most measures, she\u2019s doing fine. She has a 401(k) worth well over $100,000, a Roth IRA she\u2019s barely had a chance to fund, and six months of emergency savings. She owns a house, though less than a third of the mortgage is paid off, but she told me, \u201cI live in a state of unease, knowing my [Social Security] could evaporate to less than half of what I have earned over 51 years.\u201d She said she doesn\u2019t want to depend on a \u201chandout\u201d from her adult children, so she\u2019s started renting out a spare bedroom to traveling nurses.<\/p>\n

\u201cI see myself continuing to work indefinitely and I am lucky enough to have good health so I can \u2026 I would also say, [I\u2019m] not happy with the stage of my life so far, but still working towards the goal of living in solitude and peace.\u201d<\/p>\n

\u2018Everything is electronic\u2019 and \u2018ALL STUCK\u2019<\/h2>\n

Some responses sounded like Kate\u2019s. \u201cAs a 46\u2011year\u2011old with a child at home and 78\u2011year\u2011old boomer parent,\u201d one wrote, \u201cI\u2019m continuously struggling to make sense of the economy.\u201d<\/p>\n

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This reader shared that her father wanted to buy a smaller home and close out her deceased mother\u2019s accounts, but feels left behind by the pace of change of modern life: \u201ceverything is electronic, including trying to buy a smaller home \u2026 The paperwork has doubled and the e\u2011signature process confuses him \u2013 there\u2019s an app for everything. He\u2019s too proud to let me help, but the fine print is too small for him to see.\u201d He could no longer \u201cwalk into an office and talk with someone local,\u201d she wrote, and she feared that all the changes that seemed normal to her generation were \u201cmaking [it] harder for them.\u201d<\/p>\n

Other sandwich\u2011generation readers wrote in to say that the \u201cpig in the python\u201d metaphor captured exactly how it felt to try to raise kids and care for aging parents inside this economy. A 34-year-old with one kid said that even though he was a parent now, he still feels like a child next to his own parents\u2019 generation: \u201cThey control the institutions and aren\u2019t going to vote against their self interest \u2013 brutally put.\u201d<\/p>\n

Another accused my column of laying out \u201ca table of untruths\u201d that made her generation \u201ca target for violence,\u201d but then added: \u201cI\u2019m 67, worked all my life, still paying on my mortgage and can\u2019t afford to move or quit.\u201d<\/p>\n

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Kate could have written any of those lines. Divorce \u201ccost [her] dearly,\u201d she said; it took nine years to get back into a home of her own. She wasn\u2019t offered a 401(k) until 1988. She was never taught how to invest; money was a secret in her family. Only later did she learn that her father, a blue\u2011collar Merck worker who burned his back in a vat accident the year she was born, retired at 55 with over $1 million.<\/p>\n<\/blockquote>\n

\u201cDead\u2011old\u2011people sweepstakes\u201d<\/h2>\n

A smaller group of correspondents engaged directly with the big, uncomfortable numbers. One reader sent a \u201cboomer side\u2011note\u201d about the looming wealth transfer, pointing out that estimates show it \u201caccelerates dramatically from 2030\u20132045.\u201d In a follow\u2011up, he compared it to \u201cthe nightmare that followed covid\u2019s free\u2011money\u2011for\u2011everybody, only more sustained.\u201d The question, he added, is if the government tries to \u201cget in on the dead\u2011old\u2011people sweepstakes,\u201d wondering whether Washington would try to take an even bigger cut of the coming inheritance wave than required minimum distributions already do.<\/p>\n

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\u201cThere are a lot of people on really tight finances,\u201d he added, \u201cso a smallish inheritance would get spent \u2026 at the level that drives consumer inflation.\u201d He asked readers to remember the early\u2011pandemic moment \u201cwhen all of a sudden the brands were just wiped off the shelves, along with steaks, roasts, etc because people had that extra money they\u2019d never had before.\u201d He wondered, will that dynamic play out on a wider scale for the next 15 or 20 years?<\/p>\n

That is a darker version of the same structural argument: a large cohort with many assets moving through a constrained system distorts everything in its path. First on the way up, then on the way out.<\/p>\n

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Who is choking what?<\/h2>\n

The responses to the column split roughly into six buckets:<\/p>\n

Under the rage, what comes through most clearly is fear. Fear of aging, fear of losing status, fear of running out of money, fear of being told that a life spent following the rules now looks like a historical offense.<\/p>\n

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\u201cYes we are ALL STUCK,\u201d wrote one reader, offering perhaps the clearest summary of the response. \u201cI have no idea what the economy is going to be like. I live in complete terror and anxiety all day every day.\u201d<\/p>\n

Boomers are stuck in homes they cannot easily leave, jobs they may not feel safe leaving, and systems they increasingly do not know how to navigate. Their children are stuck behind them, waiting for inventory, wage growth, and institutional turnover that never seems to arrive.<\/p>\n

Kate told me that she laughed at the \u201cpig in the python\u201d description and said she thinks it\u2019s true about Boomers \u201cclogging the pipeline,\u201d noting that it\u2019s true for some more than others, of course. What bothers her the most, she said, is \u201cmillennials and those behind them not having the resources or houses available to them for their families.\u201d <\/p>\n

\u201cI don\u2019t know how people are surviving in this economy,\u201d Kate said, adding that she\u2019s felt this way since the Great Recession. And no, it wasn\u2019t better in the old days: \u201cThe \u201980s were hell, with interest rates of 18.5%.\u201d <\/p>\n

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The real lesson is not that one generation is uniquely wicked or uniquely wronged. It is that policy, prices, technology and demographics have built a country and an economy where each cohort experiences the same blockage from a different side. The common refrain is the same: I did what I was supposed to do. I still don\u2019t feel secure.<\/p>\n

Read more The art of American bigness<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

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