Dear Reader,

Look,  As always, they're selling you another lie.

So Trump wants you to raid your 401(k) to buy a house.

Sounds helpful, right?

It's not.

Look, I get it. Housing's expensive. You're frustrated. Someone offers a solution and you want to believe it'll work.

But here's the thing. It's another government gimmick that completely ignores the real problem. And honestly? It'll leave you broker than when you started.

Here's what they're proposing. Pull money from your retirement account for a down payment. No penalty. Easy access to cash.

The White House calls it affordability.

Me? I call it desperation masquerading as policy.

You want to know why housing is actually unaffordable?

It's not because you can't access your retirement money. That's ridiculous.

It's because there aren't enough houses. Period.

Supply and demand. Basic economics. The stuff you learned in third grade.

When supply is low and demand is high, prices go through the roof. This isn't complicated.

So why doesn't the government just build more houses?

Well, they don't. Developers do that.

But here's the kicker. Developers can't build because the government won't let them.

Let that sink in for a second.

Zoning laws. Building permits. Environmental reviews. Historic preservation committees. Community input sessions. Affordable housing mandates.

Each one adds months to the process. Sometimes years.

Each one adds serious costs. We're talking tens of thousands of dollars per unit.

Want to build apartments in San Francisco? Good luck with that. You'll be navigating a decade of bureaucracy first.

New York? Exactly the same story.

Boston? Don't even bother trying.

Listen to this. The very cities screaming loudest about housing affordability have made building illegal in 75% of their land area.

Then they act all shocked when prices explode.

The irony would be funny if it wasn't destroying people's lives.

Now Trump says let people tap retirement funds.

Okay. So what happens next?

More buyers chase the exact same limited supply of houses. Prices go up even more. Sellers pocket the difference.

You end up paying more for the house. And now you've got way less saved for retirement.

Congratulations. You're broke twice instead of once.

Meanwhile, the real problem—too few houses being built—remains completely untouched.

See the issue here?

Trump also wants to ban corporations from buying single-family homes.

Sounds really tough on Wall Street, right?

But look at the numbers. Institutional investors own about 2% of single-family homes. Two percent.

You could ban them tomorrow. Prices would barely budge.

You know what would actually work?

Just let developers build houses. That's it.

Cut the red tape. Simple as that.

Eliminate zoning restrictions that ban multi-family housing. Slash building permit timelines from years down to months. Override all those NIMBY objections that block every single project.

Do this, and I'm telling you, watch what happens.

Developers will flood the market with new housing. Supply increases dramatically. Prices fall.

Simple. Fast. Incredibly effective.

And this isn't just theory, by the way. It's been proven.

Houston has minimal zoning regulations. They build constantly. Their housing is actually affordable.

Tokyo reformed their zoning back in the 1990s. They now have the most affordable housing of any major global city.

Want American housing affordable in six months?

Deregulate. Do it today.

Good question. Why doesn't Trump just do this?

Because honestly? It's politically harder.

Local governments control zoning. And they answer to homeowners who want their property values staying high.

Those homeowners vote. They donate to campaigns. They show up at town halls and scream.

They absolutely don't want apartments built next door.

So politicians cave every time. They propose gimmicks instead. Mortgage subsidies. 401(k) withdrawals. Corporate bans.

Literally anything except the one solution that actually works.

Understand something important here.

The government created this entire housing crisis through their own regulations.

Now they're proposing even more intervention to fix the crisis that their previous intervention created.

It's completely insane when you think about it.

Letting you raid your 401(k) doesn't create any new houses. It just creates future poverty for you.

Buying $200 billion in mortgage bonds doesn't create houses either. It just inflates asset prices.

Banning 2% of buyers doesn't create houses. It's pure political theater.

You really want housing affordability?

Then demand deregulation. Loudly.

Force local governments to allow building. Streamline those ridiculous permits. Override NIMBY opposition completely.

Just let the market build.

Look, developers will construct millions of homes if you actually let them. They want to do this. There's massive profit in it for them.

But they can't fight City Hall alone. They need help.

The federal government could override local zoning tomorrow if they really wanted to. Condition highway funds on zoning reform. Threaten to withhold grants unless cities allow construction.

They did exactly this for drinking age laws. They could absolutely do it for housing.

Instead, Trump's proposing letting you gamble your entire retirement on an overpriced house in a massively undersupplied market.

Understand that Donald Trump is my good friend. We wrote two books together. His heart is in the right place in wanting to make housing more affordable.

But this is not real leadership. That's just taking a political shortcut.

The hard solution—actual deregulation—takes real courage. It means fighting local politicians and angry homeowners who show up to vote.

The easy solution—subsidies and gimmicks—gets quick headlines and costs you serious money.

Don't touch your 401(k) for a down payment. Seriously.

Don't fall for these corporate ownership bans either.

Don't celebrate mortgage bond purchases like they mean something.

Instead, demand they cut the regulations and actually let builders build.

Supply fixes prices. Everything else is just another lie.

Your choice here.

You can accept these gimmicks and stay priced out of housing forever.

Or you can demand real reform and watch housing become affordable in just months.

The solution absolutely exists. They just refuse to use it.

Make them.

Robert Kiyosaki

Robert Kiyosaki

Editor, Money Power and Profit

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