00:03:46.280so there you have it i think there's a lot of truth to that video it was produced by a group
00:04:04.020called punch bag studios and they gave us permission to show it right here at the outset
00:04:08.400of our episode today we're going to be talking about the boomer generation the boomers which1.00
00:04:13.800I truly do believe are arguably the worst generation in all of American history since1.00
00:04:19.700the founding of our country. We're going to be talking about three primary reasons,0.91
00:04:25.240three of the major, the biggest red flags of the boomer generation. We're going to be talking about0.80
00:04:30.600number one, sexual perversion. Number two, we'll be talking about greed. And number three, we'll0.82
00:04:35.680be talking about ingratitude. Those three. And you have to keep in mind, it's not just the world
00:04:41.540that the boomers created, but the generations that come after them, these are the children0.85
00:04:47.360that they raised. That scene right there at the end of the video where this girl who's a raging0.92
00:04:53.040feminist and saying, oh, I'm an independent entrepreneur. I'm an OnlyFans creator.0.57
00:04:58.760That really is the product of the boomers. The boomers were raging feminists. I talk to Gen Z1.00
00:05:05.480all the time. Gen Z is not nearly as feminist as the boomer generation. It is their swelling pride0.99
00:05:12.840that their daughters went to college, that their daughters went to college on collegiate sports
00:05:19.240scholarships, that their daughters postponed marriage and postponed motherhood, that their
00:05:25.860daughters have a bustling career, that their daughters are independent. Boomers are not ashamed
00:05:32.340of this. For the most part, of course, there are exceptions. We're speaking in generalities,1.00
00:05:37.220per capita. There are boomers who are salt of the earth. They're faithful Christians. They love the
00:05:42.500Lord, and they resisted all these progressive trends. But many of these progressive trends,
00:05:46.800they got their start from the boomers. This is the sexual revolution generation. This is the0.80
00:05:51.660Woodstock generation. Woodstock, at the time that it happened, boomers were between the ages of five
00:05:57.140and 23 years old. And you might say, oh, well, they were too young. Woodstock was tens of
00:06:02.920thousands of people, depending on different metrics. Some would argue that it was in the
00:06:06.880hundreds of thousands, maybe one to two or even 250,000 people in attendance at this event.
00:06:14.840Boomers, again, were five to 23 years old at the time, but the average attendee of Woodstock was
00:06:20.30015 to 25, the majority of people in attendance. Yes, there were some silent generations, so on0.94
00:06:25.560and so forth, but the majority of attendants were boomers, boomers in their teenage years and early
00:06:32.76020s. And Woodstock was not just perversion hidden away, you know, the privacy of your bedroom,
00:06:40.020right, like pornography or OnlyFans. It was nudity right there out in the open publicly. There were
00:06:47.220orgies that took place, lots of sexual perversion taking place, and lots of drug use0.97
00:06:53.700spread out all over at Woodstock, and the boomers, they were that hippie generation,0.94
00:06:59.700make love, not war. They were a rebellious generation, despised previous generations
00:07:06.800that came before them. They pushed for abortion. They pushed for sexual perversion. They pushed0.96
00:07:13.580for pornography. They pushed for all these different things, drug use, legalization of drugs.
00:07:21.220That is the generation that we'll be talking about today.
00:07:23.860Yeah, this all kind of kicked off on October 5th when a poll found that U.S. boomers overwhelmingly support higher taxes on younger workers.
00:07:32.040So raising your taxes to maintain current Social Security benefits.
00:07:36.360And there's a big gap. We'll talk about that greed in a minute.
00:07:38.480But there's a big gap between the generations and honestly, a lot of animosity.
00:07:42.200But what's fascinating when you dig in, because you have this perception, and it's true, it bears out statistically,0.82
00:07:47.060that the prior generations were at the very least more Christian, that they were more moral. But0.67
00:07:51.960when you get into the boomers, this is true for sure, the greatest generation, the generation0.94
00:07:55.900that fought World War II. But when you get into boomers, they are actually the height and the0.74
00:08:00.220peak of sexual degeneracy. I'll take a couple of examples here.1.00
00:08:03.740Not just from... Stop for a second. That's so important. You think what Wesley Todd just said
00:08:09.260is that the boomers were the start of the sexual revolution, sexual perversion. What he actually
00:08:15.020said is that boomers represent the height, the high watermark, the peak of sexual perversion0.71
00:08:21.360in our country. Precisely. And let's go, for example, to OnlyFans. This is something young1.00
00:08:25.920men are hit on all the time. All these young men that are addicted to OnlyFans. This is from
00:08:31.240Narddog4747. He has a great breakdown of this. He says, the normative stance is that OnlyFans0.99
00:08:36.800is being upheld by the young men who are lonely and addicted. That's not the case. It's not young
00:08:42.060men versus young women. It's the young women funded by older men. So subscription count is
00:08:48.060largely driven by 24 to 35 year olds. That means quantitatively, there are more younger men using
00:08:53.340and subscribing and paying for OnlyFans than necessarily boomers. But that only accounts for
00:08:57.8604% of the platform's revenue. So what drives revenue? Boomer spend. OnlyFans exists in the
00:09:03.880same way that mobile games operate. Revenue isn't made in entry fees or outright subscriptions,
00:09:08.220but tertiary features like paid private messages and videos. Young men aren't buying these features
00:09:14.180and if they are, they're buying very little. It's an older cohort, primarily whales in the0.97
00:09:18.800boomer class, many of whom are spending over $5,000 per month on a single creator. When you
00:09:23.900see young women in this work online, remember most of the revenue generating work is private1.00
00:09:29.360and performed for fat, disgusting boomers. Boomers are propping up OnlyFans. 96% some of the profit1.00
00:09:36.940is coming from these big spenders that spend all of their money that they have,
00:09:41.060some of which from Social Security, on a platform like OnlyFans.
00:09:44.280Mark Mitchell, the honest poller, he came out.
00:09:46.240This was another tweet over the weekend.
00:09:47.420He said, here's one of the problems with the modern church.0.96
00:09:49.640Take a worldview like fornication.0.98
00:09:52.000Young men have a much lower Christian ID than older people.0.91
00:09:55.580So the older generation more likely to identify as Christian.
00:09:58.240Right, so he's saying young men may not identify as being Christian.
00:10:52.120Millennials report three fewer partners than boomers.0.57
00:10:54.780So the peak lifetime sexual partners0.89
00:10:56.400jumps up from the greatest generation0.87
00:10:57.980and then continues to decline Gen Z and those even farther along.0.74
00:11:01.480That jump, guys, that jump is from like two and a half on average sexual partners over the course0.50
00:11:07.280of their entire lifetime for the greatest generation to like 11 and a half. It jumps up
00:11:12.100by nine. And granted, these generations after the baby boomers, we're aware of the practicalities of
00:11:19.460how math works. So Gen X has not been alive as long as the baby boomers, right? Millennials,0.96
00:11:25.180even less, and Gen Z even less, so on and so forth. But the point is that you look at the
00:11:31.420boomers, lifetime sexual partners, and then you look at Gen X and you look at millennials and
00:11:36.380you look at Gen Z, and what you can say is that the trajectory for these subsequent generations,
00:11:43.160X, millennial, and Z, the trajectory that they're on, given the number of years they've currently
00:11:48.660lived, they will be either less or they will be comparable to the lifetime sexual partners of
00:11:55.660the boomers. But they won't further the trend by jumping up. The generation that actually furthered
00:12:02.220a trend of sexual immorality that actually jumped up and substantially so, not 2x, not even 3x,
00:12:08.480but like 5x from 2.5 partners almost to 12. The generation that did this, a 4.5 to 5x
00:12:17.200multiple of sexual partners from its immediate preceding generation to its generation is the0.86
00:12:23.640boomers. And Gen X is nowhere near that. And millennials are in terms of the increase. And
00:12:31.360Gen Z is nowhere near that. It is only the baby boomers. They are the generation that brought1.00
00:12:37.600about the sexual revolution, sex, drugs, and rock and roll. And in large part, there's a few0.58
00:12:44.880different things. Reasons why. One, birth control pill. All of a sudden, you could have sex,
00:12:51.000premarital sex, without consequence, without it producing babies, procreation. That's part of it.0.75
00:12:58.680Number two, it is very much, I believe, rooted in feminism. This idea that all of a sudden,0.92
00:13:06.240it became not only a moral absolution, but it became a virtue to be young and independent and
00:13:16.040sexually promiscuous. Oh, she's virtuous. And what makes that virtuous? She is bucking the trends
00:13:24.880of her fathers. What makes it virtuous is she's sticking it to the man or letting the man stick0.65
00:13:30.440it to her. Either way you slice it, she's rebelling. And rebellion is one of the chief
00:13:35.740virtues of the boomer generation. If I was to sum it up all in a word, we're focusing on three
00:13:40.980major failures of the boomers and the way that they destroyed the world that we now have to live1.00
00:13:45.580in. Sexual perversion, greed, and ingratitude. But all three of these, if they were to track1.00
00:13:51.820higher up to one chief vice of the boomers that they're marked by, it was a spirit of rebellion
00:13:58.460towards their fathers this episode is sponsored by reform forge reform forge makes durable 3d0.62
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00:15:35.920we talk about the fifth commandment, honor thy father and mother, for us to honor our fathers.
00:15:41.140It necessarily means, and we're not gleeful about this, we're not happy about it, but if you are to
00:15:48.420honor the chain of your fathers, not just one generation of fathers, but looking at 1,500 years
00:15:54.900of ecclesiastical fathers, of ancestral fathers, spiritual fathers, familial fathers, national
00:16:03.200fathers, all these fathers. And I do believe that is the broader application. Matthew Henry,
00:16:08.500late great Puritan, many, many different, both Catholic and Reformed Protestant theologians in
00:16:14.040exegeting the fifth commandment to honor thy father and mother, they draw out a broader
00:16:18.300application than just honoring your immediate familial father. It is fathers, plural. Your
00:16:24.280national fathers, right? Ancestral fathers, spiritual fathers, so on and so forth, tracking
00:16:29.860back subsequent generations, not just the immediate prior generation, but going back
00:16:34.720through the centuries. And if we are to honor the chain, right? Every single, not just a singular
00:16:41.540link in the chain, but the whole chain of fathers, it necessarily means, and again, we're not happy
00:16:47.720about this, but if we in our generation want to honor a chain of fathers instead of a singular0.92
00:16:53.860link of one generation of fathers, it necessarily means that we actually have to forego the boomers
00:17:00.920because the boomers stand in rebellion and direct opposition to all their subsequent fathers for0.57
00:17:07.220about a thousand years. So if you want to honor from Constantine to King Alfred to Luther and0.82
00:17:13.460down the line, if you want to honor 1,500 years of fathers, it requires that you dishonor the1.00
00:17:21.480boomers. So this is the dichotomy that the boomers set up for us just in regards to the fifth0.99
00:17:26.000commandment alone. You can honor one generation of fathers, the boomers, but by proxy, you will0.94
00:17:33.360have to spit in the face of 1,500 years of Christian fathers. Or you can honor 1,500 years0.94
00:17:38.760of Christian fathers, but by necessary consequence, you will have to dishonor or at least go against,0.90
00:17:46.820disagree with the immediate fathers, prior generation of fathers, namely the boomers.0.94
00:17:53.300That's where we're at. Yeah, and I mean, at minimum, you cover their shame. That's your form0.58
00:17:57.980of honoring. Yeah, you don't have to emphasize. Right, but it's not pretending like you were
00:18:01.580Right. And going back to the topic of fornication, too, as it relates to young men and not necessarily calling themselves Christians, but certainly as it relates to a worldview, having a lot more, we would say, historical Christian precepts.
00:18:15.560And I think part of this can be explained, obviously, by the erasure of places, of malls, wherever you would actually meet people and be in physical proximity to people.
00:18:25.320obviously the rise of pornography is one explanation but i also think and we've talked
00:18:29.300about this a lot i think one of the main reasons is this rise of what you might call the natural
00:18:34.140order and then and a decline of or decay of this kind of moralistic hollowed out christian shell
00:18:41.740order that the boomers represented because that's that's an important point here it's not just the0.56
00:18:45.620liberal boomers because someone might say well woodstock and there were traditional conservatives
00:18:49.340what about the moral majority what about the reaganites all of these people who who opposed
00:18:54.180mass immigration or propose the great oppose the great society whatever but the reality is that
00:18:59.820even these people this is an indictment on them because their precepts were wrong so yeah they're
00:19:04.540like well we're christian and so we think america should be a christian nation okay and so the
00:19:09.360government regulates blasphemy no no no okay so okay what we oppose pornography okay so the
00:19:15.840government uh it makes it illegal makes it a crime to promote porn no well no no that's a great point0.94
00:19:23.280This is the chief virtue of the boomers, and Reagan kind of spells it out perfectly.0.78
00:19:27.840And granted, Reagan, I think, was silent generation, right?
00:19:30.700He was a little bit older than a boomer.
00:20:46.380And you can track it back almost exclusively to Reagan's decision of granting mass amnesty in that state that lent towards not only demographic replacement, but then voting policies and voting habits that made it a progressive, liberal hellhole forever.
00:21:06.480In other words, what Reagan was able to do is be a conservative in his lifetime, but set things up to be progressive after he was gone.
00:21:15.540that's the spirit of a boomer a boomer is a locust right he comes to your field eats all there is
00:21:23.100and leaves nothing for anyone who comes after that's the heart of the boomer to antonio's
00:21:27.220point for example about explicitly naming christianity reagan himself privately was a
00:21:31.240christian but you will hear almost no direct references in any of his public speeches or
00:21:35.340writing to specifically the lord jesus christ i think donald trump and for example his easter
00:21:40.860message and Easter writings has more explicitly said, Christianity is the celebration of the
00:21:46.480resurrection of Jesus Christ from the dead. So Reagan has this classic boomer mentality. And
00:21:50.680you got to remember, in 1970, America is like 90% Christian. So think about that. How much easier0.68
00:21:56.920would it have been to be unapologetically, publicly, and explicitly Christian? The backdrop0.93
00:22:02.740is 90% of the country's Christian. In fact, what Reagan often does, and I've gone back and watched0.88
00:22:07.700many of the speeches, he often does the opposite. Here was Reagan and the boomers in following his0.98
00:22:13.960lead, and this being the conservative boomers. Quintessential conservative.0.74
00:22:18.000Your conservative boomers. Here's their reigning dogma. Their chief virtue was not righteousness,0.85
00:22:26.540but liberty. Everything, it was the dichotomy of small versus big government. Why? Because
00:22:33.660big government, control. Small government, freedom, right? The whole Cold War, right?
00:22:40.080Communism, why is it bad? Because most communist nations are not Christian nations. They don't0.87
00:22:47.180recognize the Lord Jesus Christ as the Son of God and the triune Christian God. No, that wasn't0.71
00:22:53.080Reagan's concern. Reagan's concern, the boomer's concern of communism was not that it's literally0.72
00:23:00.620like on, in print, in the letter of the law, not Christian, it's that it simply doesn't allow for
00:23:09.060free trade and doesn't allow for private property. And I care about at least that second one,
00:23:16.100private property and these kinds of things. But my point is their big contention against
00:23:20.120the war on communism or this, that, or the other, it's all within the dichotomy. Their frame
00:23:26.520was freedom, liberty versus slavery, not righteousness versus degeneracy, not Christ
00:23:34.900versus false gods, but again, liberty. And what you'll hear Reagan boasting of is he would boast
00:23:42.280of, in America, you're free to worship whoever you want. So not only did he not just emphasize
00:23:48.580Christ, if anything, he would emphasize freedom of religion, which just for the record, freedom
00:23:54.740of religion, every time you hear that, you need to hear freedom of idolatry, right? That's what
00:23:59.900that is. It is the freedom to have a 90-foot-tall Hindu poop statue outside of Sugar Land, Texas,0.97
00:24:06.960right? Not only is it an eyesore, but it's literally a 90-foot-tall idol. I mean, think1.00
00:24:13.520about how God felt about an idol approximately that same size King Nebuchadnezzar set up to
00:24:19.500himself. And Shadrach, Meshach, and Abednego, they refused to bow down and worship. God
00:24:25.700considered this righteous. We literally have idols, Nebuchadnezzar golden statue-sized idols
00:24:32.520set up in our nation. Nebuchadnezzar, that statue probably honestly looked better because this one
00:24:37.680outside of Texas, it's a monkey. It has this ugly deformed face, like at least this image of a king,0.97
00:24:43.360like that could go kind of hard. So it's not only idolatry, it's ugly idolatry. Right. So the point0.98
00:24:49.260is this, liberty, it was all big government versus small government, control, slavery versus
00:24:55.720liberty. But in terms of righteousness and virtue over and against degeneracy and idolatry,
00:25:04.080that was not the frame for Reagan. That was not the frame for the boomers. Everything was about0.86
00:25:09.100liberation. So when you think of feminism, think liberation, liberation from the patriarchy. When0.99
00:25:14.820you think sexual revolution, liberation from sexual traditional norms. When you think of
00:25:20.440the birth control pill, liberation from children, abortion, liberation from children.
00:28:21.340oh, my grandpa's a boomer and he's based.
00:28:23.940But per capita, you think about trends,0.96
00:28:26.020generational trends, left and right, we're seeing the same fundamental abandonment of the Christian0.54
00:28:32.680tradition by the boomers, by the entire generation. Like Aaron McIntyre, one of his definitions of
00:28:38.560liberalism is emancipation from all bonds not continually chosen. What that means is all these
00:28:44.180attachments to family, all these attachments to morality, all these attachments, for example,
00:28:48.060the consequences of sex, which would be children, continual freedom from them, continual emancipation.0.85
00:28:52.760That goes to our second point, greed, the greed of the boomers.0.72
00:28:56.580I already read for you, U.S. boomers today overwhelmingly support higher taxes on younger workers to maintain current Social Security benefits.0.74
00:29:05.180Only about 22% to 30% of baby boomers plan to leave a formal inheritance, creating a major gap in the younger generation to expect massive financial handoffs.
00:29:15.520surveys such as Northwestern Mutual. Only 22% of boomers tend to leave that inheritance with
00:29:20.000roughly half explicitly saying in the survey, I do not plan explicitly saying I do not plan
00:29:26.380to leave an inheritance. So you were counting on me to help you out with a house. You're in
00:29:30.160the most difficult years, your 30s and 40s of children in the younger years of career. You're
00:29:35.580in debt. Because I told you to go to college and I didn't pay for it. And $80,000 in school. Your
00:29:40.040jobs were taken by lots of third world immigrants who came in were happy to do the job for less.1.00
00:29:44.360And they explicitly planned, I'm not going to leave you an inheritance.1.00
00:32:54.200and you're having to pay for the world in your own backyard.
00:32:57.700So it's not just being able to afford your house,0.98
00:32:59.660It's being able to afford your house and the Somalian's house next door.1.00
00:33:04.120That's what makes it so difficult.1.00
00:33:05.640A couple, real quick, to play the devil's advocate,0.94
00:33:07.460a couple disclaimers in regards to the boomers on this topic of economics.0.68
00:33:12.440The house that they were buying in the 80s was roughly, right,
00:33:16.820there's a range here, but roughly about two and a half times
00:33:19.440in terms of the principle, two and a half times their annual income,
00:33:23.020whereas now it's anywhere from four to six times your annual income.
00:33:26.660Now, because the interest rates were so high, and we're getting there,
00:33:29.660in our day, hopefully things turn around, but because the interest rates were almost twice as
00:33:34.700high as they are today. Right now they're about seven and a quarter percent. Um, and they were
00:33:39.400about 14, 15 as high as even like 17, 18% on 30 year mortgages for the boomers during the 1980s.
00:33:46.960So because of the interest rate, there was a fairly brief season. So it's not like,
00:33:52.100you know, for 30 years, but for, you know, somewhere like five to 10 year season, the
00:33:55.980Boomers, on their monthly payment, if they had a mortgage and they weren't able to buy the house
00:34:00.080in cash, their monthly payment, as it translated to wages, was a larger portion of their wages0.98
00:34:07.340than people making a mortgage today. But again, that was maybe a six, seven, eight-year span.
00:34:14.360That's it. Every other moment for the boomer's life in every other category has been better,0.62
00:34:20.120and even in housing, in terms of monthly payment to their annual wages has also been better.0.68
00:34:25.520But here's another thing. Even during that season, I'm not saying it would have been easy, but at least would have been feasible. The boomer actually could have saved 20%, 25% of their annual income. And after about 10 years, which is a long time, I'm aware, but they could have bought a house in cash because that house would have been two and a half times their annual salary.
00:34:45.360whereas you would have to save as a millennial or gen z for about 25 30 years 20 to 25 percent of
00:34:53.080your annual income to be able to buy a house today another disclaimer though playing the devil's
00:34:57.340advocate for the boomers um they were not buying 3 000 square foot houses yep uh houses did tend
00:35:03.660to be higher quality because they were being built by americans and not foreigners and illegal aliens
00:35:09.420These were houses that would last for 100 years. They were built well, but they were smaller
00:35:16.620houses, right? The boomers were content to live as they were starting their families, you know,1.00
00:35:21.800with one or two kids. They were living in houses that were 1,400 square feet or 1,600 square feet0.76
00:35:26.960and not necessarily 2,500 to 3,500 square feet. So that is worth mentioning. Another thing that's
00:35:32.800worth mentioning, and we'll get to this, but on Social Security, just one last devil's advocate
00:35:36.640disclaimer. The boomers were lied to. They are arguably the most propagandized generation
00:35:44.220in all of not just American history, but human history, because you have the introduction of
00:35:49.360the television and radio and these kinds of things, but you don't have the full bifurcation
00:35:56.280and fracturing of media that we have today. So now, it's like, yeah, everybody's got a screen
00:36:05.100in their pocket, right? With their smartphone, but you have, you know, thousands and thousands
00:36:09.920of options of, of who am I going to get my news from? For the boomers, it was, everybody's got0.66
00:36:14.700a television in their living room, but there's literally like three channels, right? It's Walter
00:36:19.400Cronkite, you know, it's whatever, and there's the news. And so they, you know, you always have
00:36:23.980to remember when you're arguing with a boomer, you're arguing with the television because that
00:36:28.120is their worldview. That's where they got their information from. Still to this day. Still to
00:36:31.560this day, right? And still to this day, the boomer just has Fox News on a TV in their kitchen,
00:36:37.000just constantly on, on repeat as they're going about the house. That's, you know, Sean Hannity
00:36:41.820is just blasting in their ears. And if Sean Hannity says it, the boomer believes it. That0.98
00:36:46.520is their Bible. Literally, even with AI, it's like they get gimmicked with AI on Facebook
00:36:51.500because they do not know how to distinguish something that I'm watching is not real.
00:36:56.700They don't know how to do that. Right. Exactly. Because for their whole life,
00:36:59.120you know, that's, they were lied to. Social security is one of those lies. So the boomers
00:37:03.980paid into social security, but they had to cover, you know, their parents' generation that did not,
00:37:09.480right? Because social security, you know, it didn't start with Adam and Eve in the garden.
00:37:13.340You know, it came into play at a certain point, at a certain time. And one generation,
00:37:19.740a generation that's currently working, the first generation, when social security comes into play,
00:37:24.660The working generation is paying into this to care for the generation that has already aged that never had to pay into Social Security at all.
00:37:32.880And so the boomers were robbed in that sense.
00:37:35.440But here's my big contention, right?0.85
00:37:38.180So that's playing the devil's advocate.
00:37:39.520They were lied to, and they had to pay into this thing to take care of their parents who never paid into this thing.
00:37:45.220And now they're really frustrated about the idea that it's going to run out.
00:43:35.520You're talking over $1,000 a month that the average family would then not be going, giving it out to the bank, the money, leaving the family.
00:43:42.860This is a great example of something that's practical, that's beneficial.
00:43:46.220If you give $400,000 out of your retirement and you have $2 million in there, you can still afford a Florida trip.
00:43:51.960And I'm doing the calculations on a 15-year mortgage.
00:43:54.720So I understand 30-year mortgage, thankfully not 50-year mortgage, 30-year mortgage.
00:43:58.860okay your parents might be passed away but 15 years hey grandma grandpa hey mom and dad could
00:44:04.600i do a 15 year mortgage i pay you back monthly and i still give you some return on the interest
00:44:09.340here's the deal there are so many boomers who would say absolutely not i'd be unwilling to
00:44:14.840help you in this way i want to sell the house to blackrock they're paying twice what you'd give me
00:44:19.860right right i'll put it in a cd and make four percent versus 3.75 even if they can't afford
00:44:25.020the full $400,000, like they could still, if nothing else, it's very difficult to come up
00:44:31.280with all the expenses today with that 20% down payment. And if you don't have the 20% down
00:44:36.420payment, you could still get approved for the house potentially, but you're going to have the
00:44:41.0007.25% interest rate on that 30-year mortgage, plus around about another anywhere from one to
00:44:47.7801.5%, which is the PMI. It's an added interest rate until you get 20% equity in the house.
00:44:57.320And so what the boomer could do, if nothing else, is they could say, you know what, you can't afford
00:45:02.220the 20% down payment. Interest rates are outrageous at 7.25%, especially for a principal that is this
00:45:09.360significant. And so I don't want you to have to pay 8.5% and add on top of that. So I can't give
00:45:16.620you the $400,000 because I need to have that in X, Y, and Z investment. That's going to be a
00:45:23.280greater return. I could be around for 40 more years. So what I'm going to do instead though,
00:45:27.540is I'm going to help you get to that 20%. What can you put down? And I'll bridge the gap to make
00:45:31.680sure you have the 20% down payment. So you're paying the 7.25 and not eight and a half with
00:45:36.860the added PMI interest. And we're just going to take this out of an early inheritance. So now
00:45:42.320we're not talking about $400,000. We're talking about maybe your children do half of the down
00:45:50.040payment. It's a $400,000 house. You need 20%. It's 80K. They do 40 and the parents do 40. And they
00:45:56.300say, and you actually don't have to pay this 40 back. We're going to write that down with your
00:46:02.980brothers and sisters as a portion of your inheritance that you're taking early. That's
00:46:08.320something that, that you can do. And I personally know boomers who have done that. And I think
00:46:13.400that's a really godly thing. Yeah. But the crazy thing is like, um, there's a lot of boomer parents
00:46:19.060who will not even be willing to do that. And I have to say, just being honest here, um, there's
00:46:25.240a lot of millennials and Gen X that, uh, when they hear about that, uh, they actually try to
00:46:32.560paint it in a bad light, even though that's precisely what the Bible would, would esteem.
00:46:38.120Yeah. Yeah. I was going to say one more thing too, on the ingratitude. It's like, I think a lot of
00:46:42.580what's happening here as it relates to the demographic, like if you think about like Gen
00:46:46.380Z, as we speak to boomers or even younger millennials, as they speak to boomers, there's
00:46:50.420like truly a mistranslation of value because the average boomers, well, it's like, don't you see
00:46:56.280how bad it is? And, and I sincerely think they don't see how bad it is. Why? Well, how do they
00:47:01.660communicate. They communicate in terms of comfort, convenience. They look at a younger person. I
00:47:07.100remember like a month and a half ago, I saw a video. It's like a 60, maybe a 70 year old woman
00:47:12.980and she's like mesmerized. She's like, I just ordered food to my house. Isn't that so wonderful?
00:47:18.440She's got her husband with her. She's like, oh, this is so awesome. You could just order food
00:47:21.700to your house. To her, that's got to be like the best thing ever, right? Because if you think about
00:47:27.520a boomer right it's it's convenience it's comfort they're looking at homes and like yeah well they're0.58
00:47:32.180built in suburbs but they're twice because all their core needs they've met for 30 years and
00:47:37.620they don't need a while younger people what are they craving meaning purpose cultural heritage
00:47:42.680some kind of spiritual life uh they want to look at a nation and belong to it they want personhood0.53
00:47:48.240they want nationhood and and boomers they don't speak in that way they they those things for them