A person who knows a lot about money and businesses said that in the second half of 2024, there will be a time when people don't buy as much stuff and this will affect companies that build houses and make cars. This is because people have less money to spend because they have to pay back loans and interest rates are higher. Some car parts makers and sellers are already losing money because of this. Read from source...

1. The title is misleading and exaggerated, implying that a "mild recession" will hit homebuilders and auto stocks in the second half of 2024, while the article does not provide any evidence or data to support this claim.
2. The article focuses on consumer slowdown and its impact on demand for vehicles and other large durable goods, but it ignores other factors that could affect homebuilders and auto stocks, such as supply chain issues, inflation, interest rates, geopolitical risks, etc.
3. The article uses anecdotal evidence from Nomura's analysis of consumer credit and surveys to support its argument, but it does not consider other sources or perspectives that could challenge or contradict this view.
4. The article mentions the resumption of student loan repayments after a three-year pandemic-related hiatus as a factor that will add to household financial burdens, but it does not explain how this will affect homebuilders and auto stocks specifically, or how this is different from the pre-pandemic situation.
5. The article cites the performance of some carmakers and sellers in the first couple of days of 2024 as an indication of a looming recession, but it does not provide any context or comparison to previous periods or trends, making it difficult to draw meaningful conclusions from this data.