Ishares Dow Jones US Home Con (ITB)

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Housing market will continue to crash as Millennials view life and work stability to be a lie. Economic downturns, negative equity and unstable job markets have drastically shaped their perception of the American Dream.

Even their broader education — something that previous generations either needed less of or took for granted — has created for them previously unseen levels of debt.

With all of that in mind, it’s really no wonder that they value versatility over constraint. It’s no surprise that the “instant gratification” generation is more than a little skeptical of gratifying themselves with a 30-year mortgage