The Big Short (2015)
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I actually didn't think I was going to like this movie, but it was a story I was very interested in-because I lived it. Back in late 2005/early 2006, all my wife wanted was a house. We found a brand new home about a half hour outside of Boston, and while I knew we couldn't afford it, she badly wanted it. I'll give some figures and you can decide for yourself if we should have been given the opportunity. We bought the house in 2006 for $339,000, and we only had $10,000 to put as our down payment. At the time, my credit score was below 600, I was taking home an average of $800 per week, and my wife wasn't working. We only had her car, which was over $300 per month, but I had to now buy a new car myself for my commute to work. Because of a low down payment, we had to take two mortgages. One was for $279,000 at 5.85% for 30 years. The other was for $50,000 at a higher interest rate, and it was due in it's entirety after 5 years. With taxes and insurance, our monthly mortgage payments were around $2600 a month. Add to that the car payments, utilities, cable, phone, food, clothes, everything that goes with maintaining a home, etc., and how can we afford it, or at least how can we afford it and still enjoy life? I was very unhappy upon moving in being too broke to enjoy myself, so I foolishly went back to gambling to make some extra money. I lost around $400,000 that I didn't have and went through 5 years of hell. 10 years to the month after buying our house, our second mortgage is paid off, my gambling debt is paid off, and we have only 13 years left on 1 mortgage at 3.125%. I have made numerous home improvements that have significantly raised the value of our home, and I now have a credit score over 800. We are extremely fortunate, but what about millions of other people? Many people who got into these deals had children or suffered health problems; what happened to them, and what was the result of their desperation? Owning a home is supposed to be a long term goal and a dream come true. Instead, the banks were handing out loans like they were coupons to the local House of Pizza. What they did was criminally irresponsible and the result of greed, and it hurt a lot of people. I thought this movie did a very nice job showing us that.
Other than Alec Guinness, which I considered a homework. But not for no reason. I was so fed up with superhero movies etc., that this bitter adult drama was a poisonous refreshment. It sounds crazy, but the poison was an antidote for the superhero poison. Now there's biterness in this...bordering with just pure insanity at times. But it's also hillarious. there are many things i don't understand, like the boy was just a fragment of imagination, right? But why? It's a traumatisation of the infertility? Anyway this is the vintage classic adult drama, I doubt that any kid would endure it. I also loved the music and the fact it's shot in black and white, it suits it. I'll go on a rollercoaster ride noew of watching dramas, thrillers etc. and old movies. It wasn't movies them selves i was fed up, it was the superhero overdrive.
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