It really depends. You have to consider income security. Many, many jobs out there especially for small to medium sized business owners is a potentially extremely risky position to be in but that also depends on where you are. Texas and Florida are business friendly with booming populations but even they are susceptible to inflation costs due to almost all of it being a federal government problem.

And not sure why you think home prices won't fall. I assume it's because you're under the impression that supply is short but it's not always supply that sets the price. Demand only remains high if there are buyers willing to pay the cost of a home plus the increased cost of living.

In fact, a lot of home buyers last year such as yourself bought at ATH or near ATH and now you have to not only pay the mortgage (regardless of your interest rate) and the increased cost of food, energy and miscellaneous services/items.

People like you (not you in particular) will be the first to tighten your belt when the price of everything you need to live keeps moving up. You won't go to restaurants and maybe you won't put your kids into sports leagues or whatever else. You'll focus on what matters in the immediate. That is going to cause a lot of your neighbors (again, maybe not you in particular) who run small businesses to suffer and eventually downsize or file for bankruptcy etc.

Remember, small business employs 70% of total employment in the country. If the government keeps this shit up, they will be the first to go as will their employees and all those homes of people who end up losing everything will be up for grabs and they won't be expensive.

The economy is a web on top of a snowy mountain. All it takes is one part of the web to loosen and slide down the cliff while dragging everything else with it.

Home prices will not keep moving up at this pace. Not the way you think it.