> I'm reading online that I was stupid for buying a house in a bubble and that rates need to go up and house prices need to fall. Everyone looks "stupid" after

> I'm reading online that I was stupid for buying a house in a bubble and that rates need to go up and house prices need to fall. Everyone looks "stupid" afterwards when something "everyone knew would happen" actually happens. The problem is that NO MATTER WHAT, there's someone who predicted this exact case and everyone forgets that wider consensus, etc was the other way moments ago. Even the "inflation is going to explode" people thought this was going to happen 2+ years ago (like myself) so it's easy to be right eventually. > I do understand this is my fault, but it sucks because I've also let my family down big time by deciding to buy a house. Cut that out. You haven't. Tell your closest family members your concerns. They're not as close to the specifics and may have different perspective or at minimum can help you emotionally. Try to get help now - even if it's just moral, not financial - before things get ugly.