Joe Cooper 💾@tokyo_0 a fixed-rate mortgage (which is what most folks choose, after a bunch of fuckery from lenders over the past couple-few decades with variable rate mortgages cost people their homes), so their payments never change for the life of the mortgage. They probably pay higher property taxes over time, and maybe higher insurance premiums, as those are subject to inflation and rising home values, but most of their housing cost is fixed.
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