Ramit Sethi

And we have more and more resources going to people in retirement versus young people, family formation, et cetera.

So when you look at that, you go, look, this is really bad.

There's no possible way for us to ever buy a house.

We can barely afford to rent it.

And we're working two incomes in a household.

This is really difficult.

So housing is a policy choice.

It's not just an accident that housing is expensive.

It is a policy choice that we have made to allow NIMBYs and these people who are homeowners to not allow housing to be built.

That makes people mad, as it should.

It's one of the reasons that I talk about not just personal responsibility, but also structural reform.

And until we fix that, people are going to be rightfully pissed off.

I think there's an element of truth in that.

I do think, you know, we've seen, there was a book, Bowling Alone, in the early 2000s, and if you look at the examples in that book,

of what the worst case might be of how people spend their time alone as opposed to in churches and community groups, it's actually five times worse only 25 years later.

So yes, there is a lack of that community meaning for sure, but we have to understand that's not just that Americans have become lazier or more entitled.

That doesn't happen in 25 or 30 years.

Structurally, if you cannot afford a home,

you have to move further and further away.

That means you're driving hours to work.