00:00:56.000The Charlie Kirk Show is proudly sponsored by Preserve Gold, the leading gold and silver experts and the only precious metals company I recommend to my family, friends, and viewers.
00:01:09.000All right, welcome to the Charlie Kirk Show.
00:01:29.000We are now at the precipice of ending a one of, I guess it's the longest shutdown in American history of our government.
00:01:40.000And the Dems are in the middle of a crash out.
00:01:42.000They are, the progressive wing, at least, of the party is freaking out.
00:01:46.000They think that they're being sold out by Chuck Schumer and the establishment moderate wing.
00:01:52.000And I think there's actually, it's a bit more of a mixed bag than that, if we're being honest.
00:01:57.000We got Mark Wayne Mullen, Senator Mark Wayne Mullen from the great state of Oklahoma joining us momentarily to discuss the finer points, the negotiation, what's going on behind the scenes inside baseball.
00:02:09.000So we're going to get to that in probably about halfway through the aisle.
00:02:13.000We're going to go in depth on the shutdown, where we're at now.
00:02:17.000Before the news broke last night, however, about this shutdown potentially coming to an end, and we'll say potentially because the base energy from the Democrat Party is raging against the Angus Kings of the world and the Tim Kaines.
00:03:52.000Sorry if we don't have this because I'm dropping it on the show team right away.
00:03:55.000If we have that, because this, I think this basically started with Trump just posting this on Truth, where it might have been, I'm not sure what generated this, but it was great American Presidents, and it showed 30-year mortgage, President Rose FDR, because that, I don't know if he invented it, but it was like standardized under a lot of his New Deal programs.
00:04:14.000And then it has 50-year mortgage, President Trump.
00:04:18.000And so, and then that same day on Saturday, this is when it happened.
00:04:22.000The admin confirmed, yeah, the FH FA director, Bill Pulte, kind of said, We're working on this and other big changes to mortgages.
00:04:31.000And yeah, it created a lot of reaction because the 30-year mortgage, as it currently is, is you pay, well, you pay for your house for 30 years.
00:04:41.000So let's say you bought it when you were 25 or 30.
00:04:43.000You're probably fully paying it off around the time that you're reaching your late middle age, your early retirement period.
00:04:50.00050-year mortgage, as you said, it makes you raise an eyebrow a bit because, like, let's say you're a 35-year-old, you know, kind of millennial and you don't own a house yet.
00:05:00.000You maybe finally got married, you finally had a kid, you want to buy a home.
00:05:03.000A 50-year mortgage, that goes from you are paying this off around the time you retire to you will likely not pay this off before you die.
00:05:11.000So, yeah, if you do the math here, so a medium home price in America is $500,000.
00:05:18.000It's just to say it's approximately $500,000.
00:05:21.000If you, at the prevailing interest rates of about 6% right now, if you have a $500,000 home and a 30-year mortgage, you're going to pay about $1.5 million more in interest over those 30 years.
00:05:34.000So, a $500,000 home is actually a million-dollar home.
00:05:38.000If you add 20 years to the mortgage, so it becomes a 50-year home.
00:05:43.000Well, a $500,000 home then will cost you more than $1.5 million over the price over the time of the interest.
00:05:51.000So, even though it's 20 more years, it doubles it.
00:05:54.000So, the interest, the way that they calculate interest, yeah, it more than doubles it.
00:05:59.000So, you're essentially tripling the cost that you would have to pay as opposed to paying cash up for the money.
00:06:05.000Now, I should caveat that it is over 20 years, which if you have an interest spike, which we've had a big interest spike the last five years, that can, if you're in at like a lower interest rate, that can radically reduce the effective amount that you are paying.
00:06:19.000So, it's double the amount of interest, but you can kind of bake in that there will be continued inflation in the U.S. currency over that time span.
00:06:26.000Yeah, so here's my basic point, and I want to put this up.
00:06:34.000I think the admin got the message pretty quickly that this was not the type of solution that we were looking for.
00:06:40.000Now, my glass is a little half full on this, and I'll explain in just a second.
00:06:44.000He says, We hear you, we are laser-focused on ensuring the American dream for young people, all caps, and that can only happen on the economic level of home buying.
00:06:51.000A 50-year mortgage is simply a potential weapon in a wide arsenal of solutions that we're developing right away.
00:06:59.000So, I want everybody that was blackpilling on this, you know, because there is this growing sense that a lot of this economic populism is phony.
00:07:13.000Where's the actual conservative, economic, populist idea, right?
00:07:17.000So, but to this point, you know, I was talking with some very well-known conservative influencers over the, and thought leaders really over the weekend.
00:07:26.000And one of them's really into business, got a lot of businesses, got a lot of, he understands the way, you know, to leverage interest, to leverage debt, all these things.
00:07:35.000And his point was like, listen, man, if I could have got a 50-year mortgage at 3% interest rates, and I could have got much more house for my money, I would have taken that any day, wait till my income shot up a little bit, refinance to it back to a 30, and then I'm locked in.
00:07:50.000And I will say that, you know, potentially this addresses, like, let's say 5% of the problems.
00:07:55.000Hopeful, you know, it's an idea out there.
00:07:56.000It's probably not what I would have led with.
00:08:02.000Yeah, if it's an option that is better than a 30-year for you, you should take it.
00:08:05.000But that is, I don't think we can say, oh, we rolled out a new type of mortgage where you won't pay it off till you die and say that that is the ideal thing.
00:08:13.000And this is an issue, as we mentioned, Charlie was very passionate about it.
00:08:16.000So let's loop in one of Charlie's clips on this and let's get why this is important.
00:08:21.000This is Charlie explaining why not owning creates so much political radicalism in America.
00:09:41.000You would think that the country's gone through like an economic tailspin the last 15 years.
00:09:46.000Like, okay, your young people can't afford homes and they're putting groceries on credit and they're killing themselves and they're socially isolated and they're addicted to benzodiazepines and Zolof.
00:09:54.000It's obvious you guys went through like a terrible economic catastrophe.
00:11:01.000Order their kit, fill it with your old media, and send it back.
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00:11:55.000You would very slowly be building equity in it, but I think that sentiment that at 50 years, you are really, it will feel like you are renting because you never kind of really get to anticipate the actual experience.
00:12:10.000I want to react to that just really quick, really quick.
00:12:12.000So, yes, it does have, and we admitted this.
00:12:15.000We conceded this point actually before the break or before the show, Blake and I were talking about this.
00:12:20.000That, yeah, it does it does reek of debt slavery.
00:12:22.000But let me tell you this: if you have rented a property and every year the landlord increases your rent, then locking into a 50-year mortgage, if it's fixed, at least you would have the stability to know what your payment's going to be, right?
00:13:04.000I understand that, but at the same time, like, yes, it's just an option, but I think people can sense that it's sort of the oh, the option everyone used to have has gotten worse.
00:13:17.000So, here's this option that might be better, but it's sort of just perpetuating a system that's in decline.
00:13:22.000It's sort of like if you know, if suddenly you're getting kicked in the nuts and they're like, oh, well, we can kick you in the shins instead.
00:13:30.000So, what it does, optically, I think it does send the signal: like, hey, we understand nobody can afford this.
00:13:35.000So, instead of making things more affordable or addressing underlying affordability issues, we're just going to make it so that you could pay the debt off loans.
00:14:01.000And then we have Patricia, and she says, it's bad as far as accumulated interest payments, but how many people actually keep their original 30-year mortgage?
00:14:42.000But, uh, and what that means is early on, you're paying a lot more in interest than you are in principle.
00:14:49.000Yeah, and so you aren't racking up that much equity in the early years, even of a 30-year mortgage.
00:14:54.000With a 50-year, I have to imagine that's really bad, where at 10 years in, you don't have 20% of the house, you might have 10% of the house or something.
00:15:13.000Yeah, so, so, let me, let me, who was the one that talked about how whoever that caller was or emailer that said you usually end up rolling over or you refinance, you sell the home.
00:15:24.000That is the argument in favor of this, right?
00:15:26.000So, the argument in favor is that at least you're getting owners.
00:15:30.000So, it does address part of the problem.
00:15:33.000I do not think it should be the end-all-be-all.
00:15:36.000This is not a silver bullet, but it does address part of the problem because if you are a 30-year-old and you're buying a home on a 50-year mortgage, at least you're getting that sense of ownership.
00:15:47.000Probably are going to end up trading up or selling that home or using the equity that you build into it, or that it just accrues, because you build equity as the asset appreciates, and then you would use that to leverage other home purchases in the future.
00:16:02.000I think it's important, but what we need to also be doing this is why I highlighted the Bill Pulte tweet is that you know what and this is what Charlie advocated for this is people like Benny Johnson are working on right now is we need we have a supply and demand problem issue as well, where we need to buy more or build more homes.
00:16:20.000We need to build a lot of them, and we need to make that easier for first-time home buyers to be prioritized.
00:16:25.000No foreign buyers, no institutional money.
00:16:27.000No, you know Blackstones or private equity groups buying up massive swaths of the inventory, and so that's.
00:17:09.000What i'll say to that is, that's true and what?
00:17:11.000There's a fascinating chart I saw over the weekend, which was the median age of a home buyer in America.
00:17:16.000Not first time, just median any purchase of a home, and it was about 39 years old 20 years ago and it is about 59 years old today, which exact same people are buying home.
00:17:28.000So so 39 year olds are now 59 year olds and that they have basically over 20 years.
00:18:16.000I think one thing that's led us astray is you have that arc of rise and crash and then even sharper rise that kicks off in the 80s.
00:18:23.000And what that also built in is it kind of built in the expectation your home should be this great investment vehicle that will accrue all of this value and that matters a lot to existing homers, that matters a lot to older homeowners, where that might be their chief asset, and yet that's also making it so inaccessible for young people.
00:18:41.000Well, and that I just can't escape the feeling that's a disastrous pattern to have.
00:18:45.000Well, and so that first spike on the right there, and then you see the, the 2008 crisis, where it dropped way back down.
00:18:52.000That first spike was they were getting very creative right where you didn't even have to prove your income levels.
00:19:01.000Seven-year arms, ten-year arms, which is adjustable rate mortgages.
00:19:05.000And then, you know, when those arms came due, when they locked in or when they had a locked-in for a short period of time, and then the interest rate adjusted back, or people just simply couldn't make non-interest-only loans, right?
00:19:22.000So, so that's what that's what those a lot of people were doing that, and they were having to prove their income, and then they were levering house after house after house on interest-only loans, and then you had the big kerplop, right?
00:19:35.000So, so that was that, but then they were supposed to make reforms leading to that second spike on the right where you had to actually prove your income, right?
00:19:43.000And you're saying you're suggesting that it's getting too creative again.
00:19:47.000I've just seen stuff where like the no money down mortgages have like come back again, where that was really vilified.
00:19:53.000After I want to read a couple more emails here, just uh, uh, Joy pointed out, uh, citing consumer reports, apparently the average length of home ownership, I guess the time you're in a specific home, doubled in 2006.
00:20:05.000It was only six and a half years, and it went up to, it's gone up to 11.9 years.
00:20:09.000I wonder how if those numbers might fluctuate a bit, but that would also be interesting.
00:20:14.000I think that would capture the sense that a lot of people they feel a little trapped in their homes because maybe their mortgage, especially now, their mortgage is so good if they got it during the low interest rates era.
00:20:24.000So, it's like it's also the price of the next home that you're going to try and buy is extraordinarily expensive and the interest rates are higher, especially the interest rates.
00:20:33.000It's that you get almost trapped in a good mortgage.
00:20:35.000Yep, and that's that's happening in markets all over the place.
00:20:39.000But some people are very excited about this.
00:20:42.000We got Sarah is a millennial who bought her first house at 33 in 22.
00:20:47.000We're in Houston, where the property taxes are stupid.
00:20:50.000She says, I'm all for a 50-year mortgage if there are strict requirements.
00:20:54.000Must be a first-time homeowner, cannot be an investment company.
00:20:57.000The owner cannot use the home as an investment property.
00:21:00.000A 50-year mortgage is actually extremely appealing, but you're also a slave to the lender for 20 plus more years than a 30-year market.
00:21:06.000Well, think about this: if you're 40, which is the average first-time homebuyer in this country, is now 40, and you get a 50-year mortgage, you're probably not going to live to see the end of that mortgage unless you refinance, unless you, you know, you can do other things.
00:21:21.000But to her point, I actually kind of like that.
00:21:23.000If you only make it available to first-time homebuyers, that's not bad.
00:21:52.000Even with a ceasefire now in place, the people of Israel continue to pray for healing from the deep wounds of terrorism and war, pain that touches each and every person in the Holy Land.
00:22:02.000But the journey to healing and restoration has only just begun, and it's far from over, sadly.
00:22:07.000Never has the bridge between Christians and Jews been tested as it has since October 7th.
00:22:12.000But after two years of prayer and tangible acts of love, that bridge stands stronger than ever before.
00:22:17.000God is miraculously fulfilling his plan to unite Christians and Jews for his divine purpose.
00:22:23.000These are prophetic times, and together with the International Fellowship of Christians and Jews, we can take part.
00:22:28.000United, we can do the holy work of providing food for the hungry, care for the elderly, and healing for the wounded.
00:22:35.000Your prayers and your support help restore hope and strength throughout Israel.
00:22:39.000Let us answer this call together and be a light in the darkness.
00:22:42.000To learn more, visit if that's if IFCJ.org.
00:22:52.000We are joined by Senator Mark Wayne Mullen, Senator from the great state of Oklahoma.
00:23:25.000Last night, we had a motion to proceed to get on the bill, which invoked 30 hours of debate.
00:23:31.000Once we finish that 30 hours, which by the way, the House can, or the Democrats can give back that time anytime they want to.
00:23:39.000Once they give back the time or the clock expires, we have to have a motion to amend the House CR because we're changing the date from November 21st to December to January 30th.
00:23:52.000And then we're taking out three CR bills because we CR'd all 12, CR continuing resolution on all 12 bills.
00:23:59.000We're replacing them with three of Trump priority bills, which is MILCON, Military, Ag, and Ledge.
00:24:07.000And so we're going to CR three bills, put in three funding bills for President Trump.
00:24:11.000And then once we do the amendment, we have another 30-hour debate, which could technically take us into Wednesday.
00:24:20.000I think they will yield back all their time, and we'll wrap it up tonight.
00:24:24.000The House will have to come back and vote on it probably sometime on Wednesday, and we'll reopen the government.
00:24:29.000So break down the basics of the deal, Senator.
00:25:11.000What happened with the RIF, which these are all the employees that were fired since October 1st.
00:25:16.000So basically since the shutdown, President Trump and the White House offered Tim Kaine to put these people back on payroll, but only until January 30th.
00:25:27.000So that doesn't mean they can't be refired.
00:25:30.000That just means they're going to get their back pay and then make it through the holidays.
00:25:34.000And then they can still be deemed unessential and let go and shrink the size of government, which will probably be what happens.
00:25:40.000So yeah, I was going to say, so what happens at January 30th?
00:25:45.000Is it an automatic go back to what Russ Vogt and others had accomplished with these RIFs, which are reductions in force, just in case the audience is wondering what RIFs are.
00:25:55.000That's culling the herd of the federal bureaucracy.
00:26:02.000Well, January 30th, we could find ourselves right back in the same boat we are right now.
00:26:07.000But what we're trying to do is do four more appropriation bills.
00:26:10.000So that'll put us to seven total appropriation bills.
00:26:14.000Remember, because as long as we do a CR, a continuing resolution, we're actually still working underneath Trump policy or not Trump policy, Biden policy priorities and funding levels.
00:26:24.000What we want to do is get away from that as much as possible and work with underneath Trump's policy and his appropriation levels, which is significantly less than what the Biden administration was.
00:26:36.000So January 30th, we're going to try to do four more appropriation bills.
00:26:39.000That'll give us a total of seven appropriation bills.
00:26:42.000Because of the size of those seven, it's about 87% of the government funding.
00:26:47.000And then we'll probably go ahead and CR continuing resolution the rest of it all the way.
00:26:54.000Our plan is to get it instead of it running out October 1st, we're going to try to push it until December so we can get it past the midterm so the Democrats can't use it as a leverage point once again in October 1st.
00:27:08.000Okay, so so it looks like we're going to have probably a deal, although I just saw a clip come by.
00:27:14.000I think we're trying to cut it right now.
00:27:16.000Hakeem Jeffries is vowing to keep the fight going in the House.
00:27:20.000I'm not sure what his options are there.
00:27:22.000Yeah, that's exactly how he doesn't have the votes.
00:27:25.000Yeah, well, I mean, we could play the clip here.
00:27:34.000And so as House Democrats, we know we're on the right side of this fight, the right side of the American people.
00:27:41.000And we're not going to support a partisan Republican spending bill that continues to gut the health care of the American people.
00:27:53.000And we're going to continue the fight to extend the Affordable Care Act tax credits.
00:28:00.000And if it doesn't happen this week, next week, this month, next month, then it's the fault of Donald Trump, House, and Senate Republicans who continue to make life more expensive for the American people.
00:28:35.000All the premium tax credit did was trying to extend an increase that the health insurance company said they were going to have to increase premiums during COVID.
00:29:17.000See, a lot of his members have military bases in their districts, which, by the way, also have federal employees, federal contractors that work there too, and not just to mention the men and women that are serving the great nation.
00:29:31.000He's not going to be able to hold his team together.
00:29:34.000But really, what's happening here is Hakeem Jeffries wants to run for president in 2028.
00:29:40.000And the guy knows that he has an opportunity here.
00:30:18.000The left, the progressive wing of the party is raging against Schumer.
00:30:22.000Even though Schumer was a no on reaching cloture, he's the left is blaming him for failing to control his people in the Senate, his caucus.
00:30:44.000So the view is now, hey, Chuck Schumer's out.
00:30:47.000We want AOC or whatever the heck they're going to say next.
00:30:50.000But then listen to Morning Joe here, Senator.
00:30:53.000He's basically saying, like, this was a success, actually, even though, you know, this thing is about to go and we're about to reopen the government without getting all the things we want on the ACA subsidies.
00:31:05.000But it was a success because guess what?
00:31:10.000The Democrats is they took crime off the front page of every newspaper.
00:31:16.000That was the story, and they turned it into health care.
00:31:20.000So you get these two competing visions of what or opinions of what has just taken place with this, this, the record-longest government shutdown in our history.
00:31:55.000The Republicans were trying to use policy.
00:31:57.000We're trying to have sound policy moving forward.
00:31:59.000Politics was all the Democrats were doing here.
00:32:01.000This was never about the $1.4 trillion for illegals.
00:32:07.000If you remember, that conversation went away weeks ago.
00:32:10.000What this was is about making sure their base was ginned up for the no-king rally.
00:32:14.000They were planning on reopening the government.
00:32:16.000When they realized they couldn't reopen the government because they knew November elections were coming, they quote, they said this to me because I was part of the negotiations.
00:32:25.000Chuck Schumer said that he'll release the handcuffs.
00:32:28.000That is a quote, release the handcuffs once the Tuesday election is over because they were afraid their base wouldn't show up to vote if they did it before that.
00:32:36.000There was 13 Democrats that agreed to vote to reopen the government.
00:32:41.000Now, what's really interesting, what the view said there is the view said that Chuck Schumer's days are numbered.
00:32:47.000Well, he's not up for reelection in 28.
00:32:49.000I think, because Madame, remember, he's not a natural born citizen.
00:33:26.000Here's a reporter that's supposed to be reporting the facts, and he's praising the Democrats for using this gimmick by holding the American people hostage or as leverage points for over 40 days, crashing our economy.
00:34:26.000So as long as we keep our caucus together, you know, there was never going to be a situation where we sort of bent the knee and you're like, oh, sure, let's spend another $1.5 trillion that we don't have.
00:34:37.000And yeah, of course, there's going to be some illegals and some people that Joe Biden let in that should not be getting that taxpayer money.
00:34:43.000You proved it last time you were on the show.
00:34:46.000And so it's really infuriating to see that these folks basically held the country hostage for 40 days when they knew they weren't going to get anything because they simply thought they were getting political momentum and leverage out of it.
00:35:00.000And fortunately, every one of the Republicans stayed strong because they had a strong leadership in President Trump, with the exception of Ram Paul.
00:35:09.000But other than that, the American people saw that Republican parties were standing strong behind President Trump because he had a clear vision with a clear leadership mentality.
00:37:30.000And they don't care because he's the one who couldn't keep his payment.
00:37:33.000I'm really, the whole vibe worries me because in the end, I think we should acknowledge it is not good for the country to just have a government shut down.
00:37:43.000Even if you think, oh, the government's so bad, I like it being shut down, that itself is a giant, you know, flashing red warning light.
00:37:50.000Yeah, that should be like a big alert.
00:37:54.000And I'm worried that the Democrats, and potentially Republicans, too, are reaching this idea where they just regard it as politically good to have the government shut down whenever they're not in charge of it.
00:38:03.000Well, and that's what's so cynical about this whole thing is that you have eight people that caucus with the senators, that caucus with the Democrats that finally broke rank.
00:38:13.000And you've got Tim Kaine saying, listen, I got all these government workers that aren't getting paid in my home state.
00:38:18.000I got basically a million people in Virginia that are on the government payroll.
00:38:32.000So we got to try a different strategy.
00:38:33.000So you finally had eight people that came to their senses after they used it as political leverage to help them, you know, gin up support in these off-year elections.
00:39:15.000And my testimony beyond that, I could write a book one day.
00:39:18.000I remember the first time homebuyer craze under Obama, and I remember the mass foreclosures.
00:39:23.000I remember homes going from $50,000 to $350,000.
00:39:27.000I am now looking forward to buying a home and living with my 85-year-old mother, rebuilding my credit and saving to buy my first home now that my youngest is eight and my oldest will be 20.
00:39:57.000Charlie would love that mentality of like what you are doing is so you can bequeath it to your children and your descendants from there.
00:40:04.000I do worry that is a mentality not enough people in America have.
00:40:09.000So they would think, like, oh, I'm only buy a home for my children to one day own it.
00:40:15.000Yeah, this is actually an interesting question I'd love to ask the audience because I can't tell you how many people I have heard from that make the joke, I'm going to spend all my inheritance before I die.
00:40:25.000You know, the kids get a but no, but it's like a common boomerism.
00:40:49.000Well, I think what I would critique with the sort of, you know, that attitude is it's sort of this attitude of wealth as just like a consumption good.
00:40:57.000And, you know, oh, well, I can use it.
00:40:59.000I worked for it, so I can use it to buy cruises or whatever.
00:41:03.000But really, like, what wealth above everything else, it's security and it's time.
00:41:07.000Like, you can buy the ability to like save time on things.
00:41:10.000And to not care about bequeathing that to your descendants to like make their lives like not as difficult as yours is very misguided, in my opinion.
00:41:19.000It's not that you have to leave them everything.
00:41:20.000It's not that you, they own what you worked for, but it's a mentality I have a hard time with.
00:41:26.000And I want to flag this one quick where, just real quick, RC says, I am a long-time loan officer.
00:41:31.000And you guys, no offense, are a little green, a little naive.
00:41:38.000They say that the reason it's a pretty long one.
00:41:42.000They said they would just recommend on a 50-year mortgage that people save excess money and they make early payments on their mortgage, which you can do under a lot of loan agreements.
00:41:51.000And if you're making, RC says if you're making two and a half extra payments a year, so kind of two and a half worth of monthly payments a year, you can shave a 30-year mortgage down to 11 years, which sounds wild to me.
00:42:06.000And so I imagine that could have an even bigger effect on a 50-year.
00:42:09.000That would be interesting, but I would also note the reason we have these 50-year proposals is people can't afford the 30-year mortgage.
00:42:15.000And so how much are they going to be able to save on a 50-year?
00:42:19.000We got a Mike from Ohio says he's a boomer.
00:42:40.000So he says, Here's my suggestion to young people: seek first the kingdom, get married in your 20s, have a big family, tithe to your income first, then live within your means with what's left over.
00:42:50.000If you are able to buy a home, that's swell.
00:42:52.000If not, trust in God's word to take care of you and your family.
00:42:55.000Raise your children in the Lord so they can have a good foundation to change the world for good when they become adults.
00:43:00.000Tell them to follow Jesus no matter what circumstances they may find themselves.
00:43:04.000Christ will take it from there and he will raise up a world of Charlie's.
00:43:09.000That is what Charlie would talk about this too.
00:43:11.000Like, if you do follow, sometimes with Rob Henderson, he called it the success sequence.
00:43:16.000You know, get married, don't have kids until you're married, you know, finish high school.
00:43:22.000And I can't remember what's the third part of the success sequence.
00:43:26.000But basically, if you follow good practices, in the end, we face a tough world.
00:43:32.000Yet, at the same time, if you follow the very good, basic moral principles, you will likely be able to save money and eventually even afford these inflated home prices that we have.
00:43:44.000Or if you can't, you'll be able to afford renting.
00:43:46.000Live within your means is a tried and true, old school approach.