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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