Jerremy Alexander Newsome says the real barrier is that school teaches us to study, not to search. Dave Conley asks why people with the answer to anything in their pocket still don't learn how housing works. Jerremy tells how he got turned down at a Kroger checkout buying chicken and broccoli, then sat down and asked himself why he was so broke. His advice for buyers: rent while you build a cash cushion, question what PMI is really protecting, and get real numbers from a lender. Dave adds the bigger moves: smaller lots and missing-middle housing, mortgages you can take with you when you move, and homes built in factories. Then each host gives one thing to do this week.

Timestamps:

• (00:00) Answers in your pocket – So what stops people from learning this?
• (01:01) Taught to memorize – Why searching feels like cheating in school
• (02:34) Broke at a Kroger – The question that changed Jerremy's money life
• (04:02) Study vs. search – The difference Jerremy says matters most
• (06:44) Rent while you save – Don't buy without a cash cushion
• (07:09) Who PMI protects – Private mortgage insurance and the banks
• (08:25) Legalize more housing – Smaller lots, missing middle, fewer density caps
• (09:16) Portable mortgages – A loan that moves with you, not the house
• (13:02) Show up and say yes – Find your city's next rezoning vote
• (13:28) Vote and read – Jerremy's homework for the week

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