Home prices have outrun paychecks for about two decades, and after eight episodes Jerremy Alexander Newsome and Dave Conley still disagree on whether a regular earner can buy. Jerremy says the deal is gone in big-city cores, but a $315,000 two-bed condo can still work, and Dave says buying is difficult but possible if you skip the agent and talk to the lenders. The Wall Street villain didn't survive the interviews: guests put Wall Street banks at around 3% of ownership, and both lenders said easier loans would only raise prices. Dave calls the homeowner tax break welfare for the top fifth, and Jerremy asks whether property taxes should exist at all. They agree the gap is education: nobody is taught how mortgages, PMI or property taxes work. They close on fixes, from missing-middle housing to showing up at your city's next rezoning vote.

Timestamps:

• (00:00) The fight up front – Can a regular earner still buy a home?
• (00:59) Prices outran income – Two decades of paychecks falling behind house prices
• (07:35) Manhattan for $120,000 – Why that deal is never coming back
• (13:23) Prices left paychecks behind – The one point nobody disputes
• (17:02) The outside villain – Everyone wanted Wall Street to be the bad guy
• (18:03) About 3% and under 11% – What the guests said Wall Street owns
• (24:34) Easier loans, higher prices – What both lenders told the hosts
• (29:43) Should property taxes exist? – You pay off the house, and keep paying
• (36:45) $500,000 tax-free – The home-sale rule most people never hear about
• (38:57) Study vs. search – Why nobody learns how housing works
• (45:29) What actually fixes it – Cash reserves, real numbers, legal housing types
• (51:46) Do this one thing – Find your city's next rezoning vote

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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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The Wall Street villain fell apart in every interview: guests put Wall Street banks at around 3% of ownership, and the 50 largest owners combined hold under 11%. Jerremy Alexander Newsome and Dave Conley say big money stays out of New York and LA because the margins are too thin there. Both lenders they talked to said credit is available, and that easier qualifying would just add bidders and raise prices. Dave calls the homeowner tax break welfare for the top fifth, and says cutting property taxes shifts the bill onto young families. Jerremy asks whether we should pay property taxes at all, and points out that a married couple can sell their home with up to $500,000 of profit tax-free.

Timestamps:

• (00:00) The outside villain – Everyone wanted Wall Street to be the bad guy
• (01:01) About 3% and under 11% – What the guests said Wall Street owns
• (01:32) Margins too thin – Why big money skips New York and LA
• (02:50) Not lenders, not Wall Street – Jerremy lands on supply instead
• (03:27) Neighbors say no – Zoning vetoes keep showing up as blockers
• (07:32) Easier loans, higher prices – What both lenders told the hosts
• (11:39) Welfare for owners – Dave on the homeowner tax break
• (12:41) Should property taxes exist? – You pay off the house, and keep paying
• (13:50) A tax revolt – Dave on who pays when property taxes go
• (19:43) $500,000 tax-free – The home-sale rule most people never hear about

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