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Never buy a house on more than 15 year mortgage and never buy a house on 15 year fixed rate where the payment is more than Fourth of your take home. Uncle Dave, that advice is not going to work in 2024. The average home in America sits at $416,000. You encourage people to put down 20% so their loan amount would be $330, 15 year fixed rate at a 6.5% is straight. We'll put their principal interest at $20,75 plus another $600 for property tax and home insurance. We'll put their payment out the door at $3,500 a month. So if that is a fourth of someone's take home pay, then you're saying for the average home in this country, someone needs to be taking home $14,000 a month. That would put their gross income somewhere around $250,000. Only 7% of American households earn $250,000 and more. And to be fair, how many of them are actually 40 years and younger, maybe 1 or 2%. So this advice excludes 98% of millennials and gen zers. Now you might say we'll just relocate or get a house for $250,000. They would need to earn $125,000 to do this. If we use the median household income of $85,000, then they would only be able to buy $150,000 home. You can't find a house for $150,000. So my question to the Ramsey show is what do people do in order to buy a house if this advice excludes 98% of millennials and gen zers?