A home that cost $213,000 in 1988 costs $5 million today — and Jerremy argues the math doesn't work anymore. Jerremy Alexander Newsome and Dave Conley make the case that at a 6% loan rate, a house has to triple in value over 30 years before any real appreciation shows up. The new American dream, Jerremy says, is owning equity — not a mortgage. They walk through renting as emotionally unstable but financially flexible, and argue longer rental contracts could solve the security problem, especially for families. Congress leaders who haven't checked a gas price in decades get implicated too. The episode ends with a UBI preview and an open invitation for guests and political disagreement.

Timestamps:

• (00:00) Contract's broken – the homeownership pitch doesn't math out anymore
• (00:38) Own equity, not a house – why the 30-year mortgage loses at 6%
• (13:29) UBI is next – open call for guests, political disagreement welcome

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