in the UK we've had the good times..very low interest rates---dirt cheap mortgages, energy costs 4 years a go a quarter of what they are going to be in a few months time. Far too much disposable income for utter trivia--restaurants..holidays..often several a year.
Now comes the hard times. Far worse than most can imagine. Before you know it property prices are going to crash.
Ive seen it all before.