Rob Luna

But people want to live in Southern California and people want to live, they don't want to live in Dixon, Tennessee or Alabama where you don't have to even have a half a million dollar home.

You can get a home for $300,000.

So the thing is, it's about choices and life's about choices.

So instead of trying to accommodate all these things, which puts our,

in more and more debt, which I'm sure we'll talk about and create bigger and bigger problems, why don't we just say man up and get an extra $350 a month, figure out how to get that done.

And housing isn't as unaffordable as people say, because we just talked about a half a million dollar home being 20 something hundred bucks.

My housekeeper pays 20 something hundred dollars a month for an apartment in Tennessee.

You can get it done.

It's still out there.

There's this whole narrative of everything's unattainable and everything unaffordable.

Not true.

And I do too.

Well, that's the big thing, right?

You've got young kids.

I've got a two-year-old.

It's not really about us.

It's about what does the world look like in 20 or 30 years, and are the same opportunities that we have going to be available to them?

Are we to be drowning in so much debt that they're not going to be there?

And that's really what I'm mostly concerned about.

So 50-year mortgage, bad.