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that filtered down to boomers, who i guess are told to be the most contemptible generation as a boomer that bothers me. we have to be aware of money going out and money that isn't nearly as much going in. >> we absolutely do. listen, at some point, neil. you have to pay the piper. and until that day happens, you can keep warning people, but if it keeps going on and on, then again, there's no consequences, the behavior doesn't stop. neil: he will with, you give up. many of them have given up and they say i can't ever afford a home. i'll never pay off college loans and they give up. maybe that's what-- >> they may well give up. but listen, many of them are living a good life. a quick example. not too long ago my door bell rings, it's after midnight. i'm who the hell is ringing my bell? i don't know whether to go to the gun safe or answer the door. i answer the door. there's a guy standing there with a sandwich and i said, i'm