THE $41,454 HEAD START: How Foreign Tech Workers Use Tax Advantages to Price You Out of Housing
Most Americans have ZERO clue this system exists. While you're forced to pay FICA taxes that fund Social Security and Medicare, foreign graduates on student work visas get 3 YEARS of this tax break in our most competitive job markets - keeping cash that's automatically taken from your paycheck.
THE MATH THAT HURTS AMERICANS:
• Tech salary: $200,000 (Google, Amazon, Meta)
• American graduate: Pays $13,818/year in FICA taxes $186,182 take-home
• Foreign graduate on OPT/STEM OPT: Pays $0 FICA taxes for their work period $200,000 take-home
• That's $13,818 EXTRA CASH per year $41,454 total advantage during their work authorization
THE REAL HOUSING IMPACT:
This isn't about future benefits - this is about immediate buying power. This is a different battle from the institutional investors buying up properties - this is about individual buyers with a government-given cash advantage outbidding you directly. In tech hubs like Austin, Seattle, and Bay Area:
>Even 100 foreign workers with this advantage = $4.1 MILLION in extra buying power
>They target the same starter homes and condos as American graduates
>Your mandatory FICA contributions become their down payment advantage
>They get liquid cash now while your money goes to government programs
THE BOTTOM LINE:
They pay income tax like you do, but keep the 7.65% FICA tax that's automatically taken from your paycheck.
Whether Social Security will exist for millennials is uncertain - but their $41,454 head start in today's housing market is absolutely certain. That cash advantage lets them outbid you on homes RIGHT NOW.
This is why you're getting outbid.
This is why housing feels impossible.
This is the immediate cash advantage they don't want you to know about.
THE MATH THAT HURTS AMERICANS:
• Tech salary: $200,000 (Google, Amazon, Meta)
• American graduate: Pays $13,818/year in FICA taxes $186,182 take-home
• Foreign graduate on OPT/STEM OPT: Pays $0 FICA taxes for their work period $200,000 take-home
• That's $13,818 EXTRA CASH per year $41,454 total advantage during their work authorization
THE REAL HOUSING IMPACT:
This isn't about future benefits - this is about immediate buying power. This is a different battle from the institutional investors buying up properties - this is about individual buyers with a government-given cash advantage outbidding you directly. In tech hubs like Austin, Seattle, and Bay Area:
>Even 100 foreign workers with this advantage = $4.1 MILLION in extra buying power
>They target the same starter homes and condos as American graduates
>Your mandatory FICA contributions become their down payment advantage
>They get liquid cash now while your money goes to government programs
THE BOTTOM LINE:
They pay income tax like you do, but keep the 7.65% FICA tax that's automatically taken from your paycheck.
Whether Social Security will exist for millennials is uncertain - but their $41,454 head start in today's housing market is absolutely certain. That cash advantage lets them outbid you on homes RIGHT NOW.
This is why you're getting outbid.
This is why housing feels impossible.
This is the immediate cash advantage they don't want you to know about.