Ben Carlson

And I was asking the question, why is it that enrollment is down so much?

Is it just a demographic problem?

They say, no, people can't afford to live in this area anymore.

And families who used to live here to fill the schools are not able to do that anymore.

So I agree with Amit.

It's one of these things where just because of bad luck, if you didn't buy a house before 2021 and lock in the lower prices and the lower rates through no fault of your own, you're now just boxed out of it, this necessity that you have.

So that piece of it, I totally understand why people are just so flummoxed by this situation.

There's nothing I did to make this happen.

What did I do?

Yeah, it's a combination of numbers and emotions because part of it is, as Ramit said, most people don't track this stuff.

I think you have to have a good sense of what your net worth actually is.

What is this income turning into for you?

If you're maxing out your 401k and your HSA and your Roth IRA,

and you make a lot of money, then you're not really living paycheck to paycheck.

You're paying yourself.

So I think you have to understand, like, what is this money doing for me?

Where am I at?

Where am I at today?

And then it gets into the emotional stuff of how am I feeling, and then really, Ramit said, like, a lot of people's goals are just out here in the clouds.

You have to have an actual definition of what it is you're trying to do with your money.