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SOURCES:

Housing Market Predictions For 2024: When Will Home Prices Be Affordable Again?
https://www.forbes.com/advisor/mortgages/real-estate/housing-market-predictions/

This is the 28th straight month of YoY declines for non-seasonally-adjusted pending home sales.
https://www.forbes.com/advisor/mortgages/real-estate/housing-market-predictions/

Credit card delinquency rates at Discover Financial, the 6th largest credit card issuer in America, just spiked to 2008 levels, according to Reventure.
https://twitter.com/WinfieldSmart/status/1782495875119387016