Phil

Yeah.

Um, so yeah, I mean, I just had a kid too and my girlfriend stays home and takes care of the stuff.

But I mean, I have, I'm not, I'm the exception to the rule apparently.

So, yeah.

Um,

But, yeah, I mean, look, I do think that that the the problems that Gen Z is facing are largely creations of of the not just the government, but of also the boomers, like, you know, the boomers that own multiple homes and everyone looking at their their houses, their biggest investment.

That's going to make a million dollars or whatever.

In 2008 when the government just started printing money like mad and people were taking loans out at 0% interest and buying stocks.

The reason that we have like, people talk about income inequality is so terrible right now and it is really, really bad.

A big part of the reason is because after 2008 when the government brought interest rates down to zero and kept them at zero for 10 years,

People that had money, people that had assets would take loans out with their assets as the collateral.

They would take a loan out at like 1% or 2% or whatever.

They put that money in the stock market.

And as the stock market goes up by 10%, 15% a year, they're making that money.

So they were literally getting money for almost free.

putting that money in the stock market just for it to grow.

So people that had assets and have wealth and stuff like that, they had a huge advantage, and it's because the government decided that they were going to have that policy.

And every time the government talked about raising interest rates, the stock market would take a tumble a bit, and then the government would get, oh, no, we can't do that, blah, blah, blah, blah, blah.

I think that interest rates were zero or around zero for almost a decade.

Quantitative easing was the worst policy they ever had.