For years, the term "Silver Tsunami" has been a buzzword in the housing market, symbolizing the anticipated shift as the aging Baby Boomer generation impacts real estate trends. It captures the magnitude of this demographic transition and the cultural and economic shifts tied to their housing decisions. This generational shift has sparked countless theories about its implications, including whether it might improve housing affordability as Boomers downsize and vacate their long-held family homes.

However, this assumption hasn’t played out as many expected, largely because of the financial and emotional realities faced by Baby Boomers.