don't just mean the mortgage payment, we all know that we need to see for our retirement. you got keys to save for their college fund. you got to say hey, if you have a disruption in your income. so when i say affordability, mean looking at everything that could happen in your life when you get it to that home? i have been a homeowner pretty much all my life. i read it one year and every time i went to get her home, i qualified myself on net income, not my growth income, which is what lenders do because i knew i was taking care of a disabled brother. i knew i wanted to save for retirement, and so i always kind of smaller house, then the bank said i could afford so it has been a goal for a lot of people, right? almost everybody they want to be a home owner. but now it just seems so out of reach for so many people so can you help encourage people about why it might be smarter to go ahead and rent for as long as you can, or perhaps apps even like go of the home ownership