(https://www.marketwatch.com/story/heres-where-it-takes-new-homeowners-almost-40-to-50-years-to-break-even-on-buying-a-house-c503cb50?mod=mw_rss_topstories) on their houses in certain markets — a structural shift that kills the impulse-buy thesis for home improvement retailers. The math used to say buy a house and win; now it says rent and invest. $HD trades on consumer discretionary sentiment, which collapses when housing affordability breaks this badly.

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