March 18, 2024 • 51 mins
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Hello Fam,
This episode offers a wide-ranging discussion starting with intriguing trivia such as the radioactive nature of bananas and the wind turbine-bird mortality rates. It transitions into a critical examination of recent developments in Alabama's IVF law due to Alabama's controversial Supreme Court ruling. Furthermore, Nikki Haley's 2024 election campaign and its fallout post-Super Tuesday is analyzed in detail, highlighting her strategic positions and the potential future political landscape. The latter part delves into the housing crisis faced by millennials, exacerbated by inflated mortgage rates, high down payment requirements, and a general affordability crisis. The episode provides insights from various individuals grappling with these issues, alongside suggestions for potential homebuyers amidst the current economic environment.
0:00 Echoes of Tomorrow: Discussing the Future of IVF, Political Shifts, and Homeownership
01:19 Tonight's Topics
02:19 Alabama V. IVF
19:30 Nikki Hailey
36:57 Young People Giving Up On Home Buying
To all my Melanated People (Black & Brown), it's never a sign of weakness to ask for help when you really need it. Life is not cupcakes and rainbows—struggles are what make us stronger!
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Stephan Garrison (00:00):
Ominous instrumental music Because you
(00:08):
guys loved my random facts inthe last episode we're going to
do.
Two more random facts.
First one.
Did you know that wind turbineskill between 10,000 and a
hundred thousand birds?
Each year in the UK.
Interesting enough painting oneof the blades black.
(00:29):
Can reduce, bird's death by 70%.
And.
For all those people who loveeating bananas.
Guess what.
Bananas.
Radioactive.
Let me, let me explain a littlemore.
Bananas are radioactive due tobeing rich and potassium.
Every banana is actuallyslightly radio active things to
(00:53):
containing the national natural.
Isotope potassium 40.
Interesting enough, your bodycontains around.
16 mag of potassium 40, meaningthat you're around 280 times
more radioactive.
And the banana are ready.
Your excess potassium 40 yougain from a banana is peep.
(01:16):
Keep it out.
Within a few hours.
So as promised.
Tonight because it's night rightnow in Arizona.
We're going to talk about two.
Topics in a sentence or twostories, I would say.
One of them, we're going to talkabout the IVF law that Alabama
(01:37):
passed.
About a week ago.
And then we're going to talkabout Nikki Haley's campaign and
then, because I've been gone forso long, it wouldn't be the last
conversation without talkingabout something that's affecting
a lot of us, especially usmillennials.
Some of us older in ourthirties.
About wanting to buy a house.
(01:58):
You know, we're all trying tolive that American dream of have
a house, have a white picketfence, have a dog.
I have a wife or husband orwhatever.
And some kids all, to be honest,the American dream is not really
the American dream anymore.
Right now.
It's called the struggle bus.
We're gonna talk about all threeof those.
And just a few minutes righthere on the last conversation,
(02:18):
don't go anywhere.
So if you've been living under arock for a while, You wouldn't
may not have heard of Alabamapassing a new law on IVF
treatments for all of those whodo not know what an IVF
treatment is.
It's a.
Introverted way for parents to,for moms become pregnant.
(02:42):
Sometimes parents.
It's hard to get pregnant.
The natural way, right?
And so IVF is another way ofdoing that pregnancy because
they take the.
I would say they take the fluidsessentially.
And they take them out over thebody so that sperm, the mom's
egg, and they do it inside of alag a lab instead to kind of
(03:05):
make the process a little biteasier.
Cause sometimes dad could havelittle swimmers, right?
Sometimes mom's eggs may not beworking.
I don't know.
There is millions of reasons whypeople do IVF.
Surrogacy is another reason whypeople do IVF.
But strictly in this story,Alabama is now restricting it
(03:26):
because.
The fear.
Is that if they restrict IVF andthat means parents literally do
not have a choice in how theybecome parents.
Right.
So let's go into this storyabout it.
So you understand.
Why IVF is so important,especially for those who have
troubles of getting pregnant.
(03:47):
And this affects all races.
It's not just a white thing.
It's, you know, blacks.
Asians.
Every demographic.
Most people will have troublewith.
Fertilization the normal way.
And you know how that is.
If you went to health class andIVF is another alternative,
which usually gives parents alot more hope.
(04:09):
Anyway, so let's keep going.
So providers in Alabama areresuming some in vitro
fertilization, sir services thispast Thursday, the day after the
state's represented Republicangovernor signed a bill into law
aimed at protecting.
IVF patients and providers.
From the legal liability imposedon them by the Supreme court's
(04:33):
ruling.
The new law does not address theissue of parenthood at the heart
of the last months on presidentruling, which prompts some
providers to halt some IVFservices and experts say it's
going to take more work to fullyprotect fertility services in
that state.
The Alabama Supreme court ruledlast month that frozen embryos
(04:55):
are human beings.
And those who destroy them canbe held liable for wrongful
depths.
Three of the state's limitedpool of IVF providers
immediately pause services.
Sending some families out of thestate to access treatment and
prompting a widespread andurgent demand for law makers to
(05:15):
provide a fix.
Again, that is frozen embryosare human beings.
And those who destroy them.
It would be held that would beheld liable for wrongful death.
there could be reasons why theydestroy frozen eggs.
The person could have passedaway and now they don't need
them.
The new law, which pass in themajority of the Republican
(05:38):
Alabama house and Senate lateWednesday before governor Kay
Ivey signed into law aims toprovide civil and criminal
immunity for providers andpatients for the.
For the destruction or damage toembryos.
The legislation will apply.
I'm Rachel out.
Actively.
Under the new law manufacturersof goods use to facilitate the
(06:02):
in virtual process process.
Or transport or stored MBOembryos also are provided with
criminal.
Immunity.
Which two of the three providerswho halted IVF services are
resuming those treatments.
The third.
The clinic at the center of thestate Supreme court case told
(06:22):
CNN that the new law fall shortof providing legal protections.
It needs to resume care.
Gabby price who uprooted herlife and career in order to
afford IVF told CNN on Thursday.
She was relieved, the new lawpassed, but called the law a
band-aid.
She goes on to say, I do feellike there's a lot that needs to
(06:44):
be addressed still.
And I think a lot of the otherpeople.
Feel that way as well.
But with IVF being such a timesensitive procedure, there are
so many families that can'twait.
Price said.
We had to get something in placefor those families that could
not wait.
Still.
The D the law does not nullifythe Supreme court's analysis
(07:05):
that say the law ought.
To treat embryos like people.
Catherine could show.
A assistant professor atNorthwestern university school
of law told CNN on Tuesday.
Experts have expressed concernthat while the Republican.
Law protects providers fromliability.
When it comes to the destructionof embryos.
(07:28):
It could also Insulate them fromstandard medical malpractice
claims.
The Alabama house democraticcaucus said the new law is
short-sighted and does notadequately address the many
legal questions of embryoticpersonhood.
Nor the seriousness ofconsequences of the
unprecedented.
(07:48):
And dangerous Alabama Supremecourt ruling.
It's a lot to digest there.
Let me finish.
Simply put this law is not asolution.
It statement reads.
It serves only to avoid areckoning at the cost.
Of the extending andcomplications of Alabama Supreme
(08:10):
court ruling state, SenatorLarry suit's a Republican and
loan lawmaker who voted againstthe measure in the state.
Senate criticized the languageof the bill arguing.
It is not an IVF protection billisn't IVF provider and supplier
protection bill that is limitingthe ability of mothers that are
(08:30):
involved in an IVF to have.
Recourse.
Essentially it's.
The Supreme court saying thatthey're still human beings,
right?
So this protects.
B.
Facilities that do that becauseas I said, Sometimes you just
(08:50):
can't hold on to them.
Right.
These, even though they'refrozen, they still have I don't
want to use the word, but it'slike an expiration date.
Right.
They can only be frozen for solong.
And like I said, there's othersituations, maybe the person
dies.
Maybe they don't want themanymore, you know, and they
don't want their ag goingsomewhere else.
So, this is kind of like aprotection, but if the Supreme
(09:11):
court keeps going the waythey're going, they're going to
say, well, these are humanbeings.
Essentially embryos are humanbeings.
And you can't destroy them underany law and it would be
criminal.
So this is kind of like a, as Isaid, it's a band-aid.
But we'll see where this goes,because this could also be
chopped up all the way to theSupreme court.
(09:32):
Now we have another, almost RoyV.
Wade situation on our hands.
So carrying on.
Us Senator Tammy Duckworth, aDemocrat who proposed the
national IVF protection bill.
That was a block blast suite wasalso critical of the new law.
She goes on to say I'mdisappointed.
The Republican statelegislation, legislators in
(09:52):
Alabama refused to work in abipartisan way to pass a real
solution to this Republicancreated crisis that makes it
clear.
An embryo is not a human being.
Duck Porto, CNN, and a statementon Thursday.
Alabama state rep Terry Collinsand Senator Tim Melson.
(10:13):
Republicans who introduce thestate law have noted that it was
intended to provide immediaterelief for families.
We've lost access to Ivyservices.
While officials consider morepermanent solutions.
They go on to say that thisaddress.
The immediate problem.
And that is what I am trying todo today.
(10:35):
We need to have a longerdecision or discussion.
Yes, we do.
Colin said last week.
They go on to say, well, MelMelson said, this is a temporary
fix.
This gets the ladies now,currently in the situation that
are in limbo, back to theclinic.
I believe similarly, theknowledge that the new law was a
(10:57):
quick fix after the ruling.
After the court ruling andnotice there are, there's still
more work to come for.
IVF protections.
She goes on to say that I amplease assign this important
short-term measure into law.
So that couples in Alabamahoping and praying to be parents
can grow their family throughIVF.
IVF is a complex issue.
(11:19):
No doubt.
And I anticipate there will bemore work to come, but right now
I am confident that this law.
We'll provide the reinsurancesto our IVF clinics need and
we'll leave them to ensureservices immediately.
Going on IVF patients expresscautious, really.
Price site.
(11:40):
It concerns that the broadimmunity meant to protect
providers.
My ability could leave patientswithout regulations need to keep
them safe from possible medicalmalpractice.
It goes on to say that it doesnot make, it does make it a
little nervous.
And it does make me wonder ifit's going to be harder for
those fighting.
(12:00):
For there.
Regulations to get to them.
Elizabeth Goldman felt likeshe's been living in limbo as
her IVF treatments were halted.
The uterus transplant.
Trent's plant recipient.
Who sold her home move toBirmingham to start a family
said she was thankful tolawmakers for coming together
(12:22):
quickly and helping clinicsreopen.
She goes on to say that this hasbeen extremely stressful and
scary.
These two and a half weekswaiting in limbo while my IVF
clinic was shut down.
Whole mental CNN saying that shewatched every step of the laws
passing and now feels hopeful.
Her journey can continue afterthe clinics reopen.
(12:43):
Gabriel invested more than$20,000 into an IVF treatment in
Alabama before her clinic haltedIVF services and Sheena, her
husband had to leave the stateto continue treatment.
She said the news of the new lawleft her and her husband in
tears.
Although it doesn't take awayfrom all the hurt and craziness,
we felt, it feels like we arefinally seeing change and we
(13:06):
feel supported.
I feel immense relief and hope.
I, I I've never been in thattype of situation.
But I feel for them, you know,to be.
For a service like IVF to be thetarget or on the chopping block
for another Republican state totake access away.
Or mitigate it some other wayis.
(13:31):
Is it's heartbreaking, you know,we.
We see some of these laws andwe're like, oh, well, they don't
concern us.
But then when they truly dostart to concern us, that's when
we're starting to pay moreattention.
Right.
Abortion, no one really paidattention to it.
You know about 10 years ago, butthen since it became on the
chopping block and the Supremecourt cut it down and returned
(13:54):
it to the states.
You know, it's, it's morepassion, right?
It's more, Hey, this is a right.
This is, excuse me.
This is a constitutional right.
But now states.
Or just painting it.
So.
IVF.
I said it's.
They move from one thing toanother.
And IVF is on the choppingblock.
(14:16):
I wouldn't say it's on achopping block.
But I would definitely say thatwe should watch.
Watch and see what they do.
One of the clinics that haltedIVF treatment after the state's
court decision, Alabamafertility in Birmingham plan to
resume services.
This past Thursday.
The clinic canceled at least 35frozen embryo transfers in which
(14:37):
a fertilized egg is implantedinto a uterus in less than two
weeks after pausing treatment.
The practice already.
As an embryo transfer slate forThursday afternoon, according to
their doctor.
The doctor says we cannot waitto celebrate with our patients.
Honestly, we can't wait to dothe first embryo transfer.
We can't wait to see the firstpositive pregnancy test.
(15:00):
It holds even more meaning thanit did before.
McQueen joined families andother IVF associates at the
Alabama state house last week tocall for immediate registration.
Distortion, I should say ofservices as lawmakers inside,
rush to push through a law thatwill protect them.
We appreciate the efforts fromthe lawmakers to push through a
(15:23):
bill that meets the needs of allstakeholders involved in IVF
treatments in Alabama.
We are grateful that we haveheard that they have heard our
voices and we are proud of ourpatients who have barely shared
their stories and are soimpressed with the with the.
Advocacy effort on behalf ofinfertility.
(15:44):
Patients.
The state's largest health caresystem.
University of Alabama atBirmingham also announced they
would restart IVF services.
That were paused after the stateSupreme court.
UAB appreciates the Alabamalegislature and governor Ivey.
We're swiftly passing andsigning a law that provides some
protections.
(16:04):
And will therefore allow UBA torestart its in retrial.
Fertilization treatment alsoknown as IVF.
Said Dr.
Warner ha.
Chair of the UAB department ofall the other stuff.
While UAB is moving to probably.
Resume IVF treatments.
We will continue to assess thedevelopments.
(16:26):
And advocates for protectionsfor IVF patients.
And our providers.
They go on to say that we, as weunderstand the language of the
proposed law, As it stands, weare not reopening.
Hold on.
Sorry.
Total different people.
(16:48):
The defendants of the stateSupreme court, the center for
reproductive medicine at mobileand formerly will not be yet
resuming IVF services.
According to a statement thatthey sent, as we understand the
language of the proposed law, asit stands, we are not reopening.
Our IVF facility until we havelegal clarification's on the
(17:10):
extent of immunity provided bythe new law Alabama's law.
At this time, we believe the lawfalls short of addressing the
fertilization eggs currentlystored across the state and
leaves challenges for physiciansand fertility clinics, trying to
help preserve.
Or help deserving families havechildren.
On their own.
(17:30):
The American society ofreproductive medicine released a
statement last week.
Warning that without law toaddress the issue of whether a
fertilize a is a legallyconsidered a person IVF.
Providers are still vulnerable.
We believe these bills will notprovide the assurances Alabama's
fertility.
Physicians need to be confident.
(17:51):
If they can continue to providethe best standard of care to
their patients without puttingthemselves their colleagues and
our patients at legal risk.
Welcome to IVF.
And these are some of the statesthat have introduced.
I'm going to read it here.
It says Bill's attempting toestablish the same legal
protections for fertilized egg.
As a born person, also known asa fetal personhood bills.
(18:16):
Have been introduced in 15states or states already have.
Fetal personhood laws on thebooks.
Arizona law is temporary blockedby a federal judge.
Arizona is on there.
Utah has introduced a bill.
Colorado has introduced a bill.
Kansas has introduced a bill.
Oklahoma has introduced a bill.
(18:36):
Alabama already has a personhoodlaw.
Georgia already has a personhood law.
Florida has an introduced bill.
South Carolina has introducedbill north New York has
introduced bill Illinois alsohas an introduced bill as well.
So.
I want you to share yourcomments or share your thoughts
(18:59):
in the comments, whether I postthis.
On YouTube or Instagram or taketalk and let me know.
Do you believe here's aquestion, do you believe.
That a fertilized egg as a bornperson.
Answer that, do you think so?
(19:19):
Fertilize egg.
You know, sperm a fertilize nowit's frozen or whatever.
Do you think that that's aperson.
We'll be right back.
Don't go anywhere because we'regoing to talk about.
Nikki.
Hailey.
As much as you want to say aboutNikki Haley, I have to say that
she put up.
A really good campaign.
(19:39):
I mean, she brought in people.
From both spectrums, Democrat,Republican, independent
undecided.
She did her thing I have to say.
And I, I, I I've said thisbefore that if she actually won
the Republican nominee, It wouldhave been kind of hard to vote
(20:01):
between herding buy-in because.
I don't know it was.
She ran a campaign.
That was.
Good.
Okay.
It was, it was a very good.
Came Kim mob.
Let's start this over.
She ran a very good campaign.
And I believe that.
(20:23):
Once Joe Biden and Trump.
Hash out.
There their vote again.
Once their four years, whoeverwins.
You know, once their four yearsis up.
I definitely think that she'sgoing to come back as a
Republican candidate.
And she actually might.
(20:43):
She might actually win.
But a lot of people were like,well, when is she going to drop
out?
And she dropped out after superTuesday, which.
It was very evident that she wasnot going to win the delicate
she needed to become theRepublican nominee.
So let's go and see that story.
Since the night of the NewHampshire primary, Nikki Haley
(21:04):
has faced one consistentquestion.
When would she drop out?
It came from GLP leaders whocalled on her to suspended her
campaign as former presidentDonald Trump.
Wrapped up and more wins andfrom political observers who
assumed that she would ratherleave the race and face a
potential embarrassing the feetin her home state of South
(21:26):
Carolina.
But for weeks, Haley made clearpublicly and privately that the
make or break point of hercampaign would come on super
Tuesday when GOP primary votersare more than a dozen states,
including delegate, whichCalifornia and Texas.
Weigh in.
When they did the answer wasvery clear.
(21:47):
I mean, I watched super Tuesdayat the hotel.
I was staying at.
And it was, it was sad.
It was literally like he wassweeping the floor with her.
I will say that she did winWashington and she won Vermont.
But Texas, she needed the, whenTexas Steven become like a
challenge.
California, she needed, like,there was some vital stays that
(22:09):
she needed to win in order toeven stay as like a.
As a competitor, but she didn'tnow Texas.
Oh, from California, all of her,like it was just sweeping.
Trump won nearly every contestthat night.
Except for Vermont.
(22:30):
Or Nikki Haley prevailed.
They go on to save it.
I said, I wanted the Americansto have their voices heard.
Haley said hours later, as shesuspended hurricane pane,
Wednesday morning, I have donethat.
I have no recurrence.
As I've said, Nikki Haley gavethose people who wanted a voice,
a voice.
I don't know how she did it,but.
(22:52):
It was like, Especially forthose who didn't want to see
another matchup between BidenTrump, right.
And she just, she was given theanswers that people want.
It, it was more of like, she wasthat.
She was that bipartisanpresident, which I feel that we.
Desperately need.
At this point, we need abipartisan present that sees the
(23:12):
wrongs in both parties, notjust, oh, well, Democrats are
global, blah, blah, blah.
Oh, well, Republican there,blah, blah, blah.
We need someone who's going tobe like, they're all their
fault.
This is why we have the issuethat we have.
And as president, I would do X,Y, and Z.
Right?
Nikki Haley was that candidate,right?
The sand has wasn't because hewas like, well, Democrats did
(23:33):
this through to this or to that.
Tim Scott.
Was like Democrats did this anddid that Nikki Haley for me, in
my personal opinion, I felt likeshe was the only person who was
in the middle.
Who's like, this is what we didunder Trump.
This is what we did under Bidenis how I'm going to correct.
This is how I'm going to fix it.
So I liked that about her.
(23:55):
It goes on to say that Haley hasbeen the first of Trump's
challengers to launch hercampaign and became the last
suspended.
Nearly 13 months of campaigninghad to come to an end with Haley
becoming the first woman to wina GOP primary contest.
But also with Trump still.
Saline toward his third straightpresidential nomination in a
(24:15):
row.
For now Haley faces a newquestion.
Will she endorse Trump onWednesday?
She did not.
Instead of calling on formerpresence to practice the
politics.
Of addition and earn the volt.
Of those who did not back him,her goal is to open up a
conversation about issues withinthe Republican party and push
the party toward unity.
(24:38):
One thing that.
A lot of people had spectatedwas that she was going to drop
out and that she was willing toendorse drunk because I don't, I
don't know if I've said this inprevious episodes, but before
they were on the debate, theyhad to sign a pledge.
That pledge said, if you.
What did that pledge say?
It said that you would supportthe Republican nominee.
(25:00):
That was the only way that youcould get your foot on, that you
get your foot onto the baitstage.
In her speech that she gave.
She said, yeah, I did it at timeto.
Get on the stage, right?
Who wouldn't.
You know, if you want to get onthe stage and, you know, Debate.
You're going to say whatever youhave to say.
And I totally agree.
Say whatever the hell you haveto say.
(25:22):
And then when everyone elsedropped out and she was on her
own.
You can change your entire mind.
The baits are over trumping on adebate.
You, he didn't come to any ofthe other debates.
And I don't think that she'swanting to endorse Trump.
I think.
I think that she's going to staywhere she is.
And I think that she will, shemight low for him.
Privately, but I don't thinkshe's just going to come out and
(25:44):
be like, yeah, I'm going toendorse Trump now, Tim Scott,
that little.
I got words.
Ah, he's been kissing Trump'sfeed and licking them ever since
he suspended his campaign.
But that's a whole differentstory.
Anyways.
I don't think that she's goingto endorse him.
I think she might.
The privately forum, butendorsing.
(26:07):
She said that he's going to haveto earn.
That's not going to happen byNovember.
So.
Anyways, going back, it says hergoal is to open up a
conversation yet we.
You write that?
In the days leading up to herdecision.
Suspend her bid her campaignreceived a significant amount of
feedback.
On the subject of endorsingTrump or not.
(26:28):
Sources, tote, CNN.
People who are close with Haileyhave difficult, have different
opinions.
Some believe that it would begood for her to bat Trump
because she would be viewed as ateam player.
Others oppose her endorsing himbecause that would give Haley
the freedom to be critical ofTrump and build her own
movement.
(26:48):
One of those voices told CNNthat they believe that Hailey's
remarks on Wednesday were tooforgiving of Trump, particularly
when she expressed her.
Hope that Trump will besuccessful in earning the vote
of her supporters.
The two separate camps.
Have shared those opinions withHaley and hurricane pain in
recent days and weeks sourcessaid.
(27:08):
Haley herself has recently saidthat she is not focused on
endorsing anyone because she isfocused on winning herself.
She has also pointed to hersupport, which reached 30 to 40%
and a handful of states as asign of Trump's weakness.
According to a scene in exitpolls and New Hampshire, South
Carolina, Virginia, NorthCarolina.
And California only 19% of Haleysupporters said they would be
(27:32):
satisfied.
With Trump as a nominee, 75% 79said they would be dissatisfied.
In my personal opinion as apolitical science.
Measure.
I'm kidding.
I don't think she should endorsethem.
I think that she is.
Collect that this is her time tobuild her base and to build
(27:54):
those supporters because thosesupporters could be like, well,
then you did all this fornothing.
If you're just going to endorsehim.
So that means all the thingsthat you said about how many,
you're just going to go with it.
Right.
So I believe that she should goahead and not endorse him, build
up her own base.
Because he had posted on histrue social day.
He didn't want any of the NikkiHaley supporters and Biden was
(28:15):
like, well, I'll take them.
Boom.
There you go.
But.
She's going to be back, but Idefinitely think that she should
build up her own.
Campaign build up her ownplatform.
As when Trump's gone.
There'll be her return.
Hopefully.
Anyways, moving on.
(28:36):
So Kimberly Rice, a former NewHampshire representative who
served as a co-chair for Haley'scampaign.
Any granite state said that Shewas one of Haley's voters.
She referred to the formerpresence statement that Haley's
donors would be barred.
Permanently.
From the magazine world, a move.
She said she and others tookseriously and personally.
(29:00):
It's one thing to attack.
Fellow candidates, especially onpolicy issues.
She said, But when you go asfar.
For the juggler and go onpersonal issues, then you attack
the supporters like that.
I don't think you have toswallow a little humble pie and
try to work on bringing themback in.
(29:20):
Some top officials on Haley'scampaign told major donors in
recent weeks, that super Tuesdaywould dictate whether or not
Haley stayed in the race.
According to two sources.
They made a persuasive case inthese private conversations
saying that the race.
Bruce super Tuesday would giveHaley's team more data about the
GLP elaborate and sources saidHaley's team wanted the data
(29:43):
before making the call tosuspend hurricane pain.
Instead of pulling a plug onlyafter a few states had voted.
The benchmark for success was40% of the vote.
Building on a, her previousperformance in the early states,
Haley ultimate hit that target.
And just two of the states thatvoted on Tuesday, Utah and
Vermont, as a result, mostdonors are not surprised.
(30:06):
My Haley's decision to drop outon Wednesday particular because
they didn't expect the outcome.
In the two super Tuesday statesto be better than Haley
previously performed.
Someone went on to say that shemade the right decision and she
ran a good race.
One of the donors said it was animpressive and smart approach to
challenging Trump.
Haley herself engaged inoutreach to some top donors very
(30:27):
late Tuesday night.
Members of Haley team alsoreached out to top donors to say
that she was dropping out.
It's too early to tell where thedonors will go from here.
As Haley rose in the polls lastfall, she gained the backing of
several wealthy donors, eager toboost a promising alternative to
Trump.
That support was born.
A both benefit.
(30:49):
And burden as her Republicanopponent, including governor Ron
DeSantis has argued that she wasbeholding to her donors, Haley
countered.
Arrivals were jealous.
They weren't getting thatsupport.
Americans for.
Prosperity.
The political network associatedwith bill and air Charles, who.
(31:11):
Cough.
Endorse Haley last Novembereight at her until the day after
South Carolina on the groupsthat it would stop spending
money on her.
Haley is not just going to goaway.
She's still going to be there.
In the weeds between January23rd, New Hampshire primary and
February 24th, South Carolina.
When questions rose about howlong her campaign would last.
(31:33):
Haley began investing time andmoney in super Tuesday states to
help quarrel the rumors shemight drop out.
I'm not going anywhere.
Haley told supporters and thevent on in California, early in
February, I'm willing to takethe bruises.
I'm willing to do the fight andgo.
Through the pain, all I'masking.
Is that you stand there with me?
(31:55):
Haley held more than a dozenevents in super Tuesday,
including Texas, Massachusetts,Virginia overalls Hailey's net
worth spent about 82 million onads.
With about 17.9 million comingfrom her campaign, 64.4 million.
From the S F a fun, the leadsuper pat supporting her bid in
(32:19):
addition.
Americans for prosperity action.
Huth aligned.
superPAC back in Hailey spentabout 8 million on ads
supporting her.
Am I.
I'm sorry that that was probablythat's a lot of money to be
spent.
18 like.
Wow.
Like, I mean, if I ever ran forpresident, like dude, like that
(32:43):
is 64, 60 4 million.
82 million and add 17.9 millioncoming from a hurricane pain.
Running for president is notcheap.
Probably the legislature isprobably the same amount of
money.
I'll look it up.
But that spending shifted in herfinal weeks of the res Haley did
(33:04):
not make new investments intelevision advertisements.
A decision that was far fromunanimous among some of our top
supporters and donors whobelieve that she could have made
a stronger run against Trump.
And suburbian areas in NorthCarolina, Virginia, Texas, and
beyond.
It's unclear how much moneyHaley will close her candidate C
(33:26):
with, but the candidate.
Who has remained remindedsupporters at virtually every
campaign to stop that she is anaccountant by trade.
Was intentionally focused on notgoing into debt and spending
more than her chances warrantedas an advisor said, She can also
reserve any of her finances forfuture political endeavors.
(33:49):
Should she have a future in theTrump controlled Republican
party?
Haley won't just go away.
Cannon Dawson a long time,Haley, ally, and former chair of
the South Carolina Republicanparty.
This is not the last you've seenof Nikki Haley.
He said.
She will know who her friendsare and I promise.
(34:10):
Remember.
Who was against her efforts.
In this endeavor.
Wow.
Let's let's give, let's giveHailey.
Around of applause.
She did.
She did her best.
I definitely think of.
She spent all that money onadvertisements that she should
have definitely been spendingmore.
(34:32):
Before to super Tuesday, even onsuper Tuesday, like before
people were even hitting thepolls.
Hey, before you go, go ahead andlook at this ad for Nikki Haley.
Like.
I said, I think that she ran anamazing campaign.
I think that she pulled inpeople from the left people from
the right people from the middlebecause she had that type of
campaign.
She understood that both partieswere at fault of how the country
(34:54):
is currently.
And that she was truly givenpeople a voice.
I think if Trump wasn'tinvolved, I'd definitely think
that she would've probably did alot better, but because Trump
and his.
Cult people are so heavily onhim being present.
And again, they just overtookthe stage.
And even if.
(35:14):
You know, Trump loses thispresidential.
He's still going to havesignificant hold.
Over the Republican party, whichis going to make it even
extremely hard for any otherperson to really take that stage
away from them, becauseessentially they want to look to
him and be like, Hey.
You know, is this guy, should weendorse him?
(35:36):
No.
And there we go.
Every Republican candidate hasto pretty much.
Beg or bow down to Trump.
If they're going to take on thatpolitical party.
Or for they're going to take onthe Republican party to become a
Republican president, becauseyou're going to need his
endorsement, especially now thathe installed his
daughter-in-law.
Until the RNC, which pretty muchgives out all the money for
(35:59):
Republican parties orcandidates, I should say.
So they're going to have to bowdown to him.
And be like, oh yes, Trump.
I love your policy.
I love you, blah, blah, blah.
In order to get anywhere nearbeing present.
A Republican present a UnitedStates.
So.
It's going to be rough now, allthe other little smaller
(36:20):
elections life for governor.
Congressman letters, local stateand Senate.
You don't really need hisblessing or anything like that.
Maybe acknowledge him if you'rea Republican.
But if you are trying to run forlike the big leagues.
Yeah, you're definitely going tohave to bow down to him.
So we're gonna take a quickbreak and I'm going to bring the
(36:42):
last story.
I want to talk to you about thestruggle bus of.
The housing.
And about how millennials.
Not really looking forward tobuying the houses right now.
We're just trying to survive allthat coming up.
Next.
As much as we young people.
Want to buy a house?
(37:02):
We can't.
Because we're broke.
And we're struggling.
Honestly, it's, you're livingpaycheck to paycheck.
And you're trying to just.
Survive.
Sorry about that.
My computer decided to traindie.
Anyways.
So we're just trying to survivelike the housing market just
isn't good.
(37:23):
So CNN posted a article.
I'm going to try and go throughit.
They really quickly cause we areat.
Eight minutes.
And I know these are, you know,Episode.
Oh, anyways.
Americans are living through thetoughest housing market in a
generation.
And for some young people, theAmerican dream of owning a home
is slipping away.
(37:44):
Mortgage rates surge in recentyears, hitting the highest
levels and more than two decadeslast ball.
While rates have come downsignificantly since then.
Home prices remain painfullyelevated, and a limited
inventory of housing is stillfailing to keep up with demands.
Such conditions mean thathousing has become woefully on
(38:06):
affordable.
Falling mortgage rates in recentweeks have helped.
But home prices could remainsticky.
According to economics.
It's still a.
Quality time to be hunting for ahome.
It's even worse for young.
buyers who need to save up adown payment and build up their
credit score while during atime.
(38:29):
When baby boomers are refusingto part with their homes.
The situation isn't a whole lotbetter for winters.
With the rent barely coming downfrom Wexford, highs and have
tenants in the market.
Same.
They can't even afford theirpayments.
The uneasiness over Milton'saffordability crisis is
captured.
Clearly in surveys and polls.
(38:50):
Data that outlines the sentimentspecifically among young people
is limited.
CNN spoke with some youngAmericans about their thoughts
on the current state of the ushousing market and their plans
for the future.
Surviving is priority, notsaving a down payment or even
having kids.
Brandy grant 35 lives in SanFrancisco bay area.
(39:14):
California and a wonder what.
One of the most expensivehousing markets in the country,
despite a difficult upbringing.
She pushed herself to graduatefrom college with a bachelor's
degree and is now making 76,000a year as a senior consultant
for an academic publishingcompany.
But she says she is barelymaking ends meet.
After paying her bills eachmonth, including the$500.
(39:37):
$500 to chip away at more than$90,000 in student debt grant
says she doesn't even haveenough to save for down the
positive.
Excuse me.
She goes on to say I'm real,real tight.
She said having kids will neverbe on the table.
I haven't even put a cent in myretirement fund.
(39:57):
So there is just zero hope forme ever to own a home.
The minimum down depositrequired to purchase a home.
Depends on various factors, suchas the type of mortgage being
taken out.
The prospective home buyerscredit score and the properties
asking price.
The conventional wisdom is thathopeful buyers could save to put
(40:18):
about 20% down before shopping.
Before shopping around, butdoing this is a pipe dream for
those who can't even save tobegin with, I can't even save
barely$200 a paycheck, and youwant me to put 20.
21% down on our house.
I, I, and this is a side note.
I just recently got a carbecause, you know, moving from
(40:41):
one state to the other, I didn'twant to have to do all that
traveling.
But I had to put a significantamount of money down for a car.
Like.
You know, right now it'sstandard to put down on a car is
like 2,500.
That's not easy to just come upwith.
Or to look at your bank accountand be like, oh yeah, I got
money.
And then growing up, I gotta putthat 2,500 down on the car.
(41:03):
It's not.
Easy, and it just makesstruggling a lot harder.
So.
Yeah.
But the typical down payment fora first time home buyer is
usually much less 6% last year.
Jordan too.
The national association ofrealtors.
A government back.
Federal housing administrationloan required a down payment as
(41:25):
little as 3.5%, even saving upthat much.
It can be daunting.
It's taken nine years pertypical home buyer to save up.
The median down payment on ahome with a median value of the
United States.
According.
The Zillows data.
Building a down payment.
As has been difficult for RossBowden.
(41:46):
8 26 year old case managerliving in St.
Louis, Missouri with his wife.
That's mostly due to acombination of how expensive his
rent is and they're costlymedical bills.
Which eat up a significantportion of the couples monthly
budget.
Their current financialsituations mean having kids
anytime soon is out of thequestion.
I generally haven't even beenable to save money over the past
(42:08):
year.
Burden said, I don't think thatbuying a house super realistic
for me, even in the next coupleof years.
So I'm not really thinking aboutthat right now.
And if me and my wife were tohave children.
We would definitely want to befinancially comfortable.
Or capable of doing so.
So I also don't see in that evenrealistic.
(42:29):
Because children are expensiveand it's, it's almost like
you're choosing children orhouse children or a house.
Cause.
You're not going to be able toafford both.
I mean, children itself with.
Cribs, Pampers doctors, all thisother crap that you have to do,
especially if you're workingnow, you know, you have to
change your work schedule.
You have to take them to daycareor getting a nanny or a family.
(42:50):
And now.
You might be working less thanwhat you usually are and then it
still doesn't stop your dailybills.
Being an adult is not easy.
You have a couple optionsstaying with your parents or
leaving the country.
For some living with parents isthe best option.
And that certainly seems to bethe case nowadays.
(43:12):
With housing affordability out.
Of reach for many young people.
More than half of us adultsbetween 18 and 24 live with
their parents in 2023.
That's been the reality for Corygrips.
Who's 24 who lives with hisparents home in Portland,
Oregon.
He graduated with a master'sdegree in history last year from
Minnesota state university, butsaid he hadn't.
(43:35):
He hasn't had any luck finding ajob aside from not having the
financial stability of full-timeemployment just yet.
You say he doesn't find itpossible to own a home someday,
unless he finds a partner first.
Having two incomes Sten.
Does a lot for you.
And I can't imagine owning ahome until I've partnered with
somebody.
Griffin says the housing marketis not a single person.
(43:57):
Market.
What typically happens when aregional housing market becomes
too unaffordable?
Is that people without themeans, simply meet elsewhere,
cheaper.
Such as the suburbs and our way,for example, a less common
option is moving to a completelydifferent country.
Shoreham.
37 is a naturalized us citizen.
We came to the country fromMexico as a child back in the
(44:20):
1980s, he currently works at ahotel in Santa Fe, New Mexico.
The most expensive market in thestate, living in a rental,
single family home with hissister and her three daughters,
I should say.
Aguilar has said that he doesn'tthink only in a home in Santa Fe
is a reality in the next 10years, but that moving.
To Meridian, Mexico, sometime in2025 to start a laundromat
(44:43):
business with his partner who iscurrently working in Colorado,
probably be a much better bank.
Washers and dryers are not thatexpensive in Mexico.
And we already looked at theprice has started a laundromat.
Which would be about$10,000.
Aguilar said I can take thatmoney to open a business over
there.
Over here.
That's not even, that's not evenenough for a down payment on
(45:05):
house.
Hi, mortgage rates are a bigreason why some feels so
dismayed with America's housingmarket, but there's been some
good news lately.
The federal reserve has signaledthat it would soon.
Interest rates now.
That decade high inflation hasyou.
Eased off.
(45:25):
Such a move will be average 30year fixed mortgage rates
though.
Economists said that they doubtrates will fall below 6% this
year.
homeowners have told usrepeatedly.
As of late bat high mortgagerates of the top reason why it's
both a bad time to buy and sella home.
(45:47):
And so a more positive mortgagerate, outlook, more
incentivized.
Some to list their homes forsale.
Helping increase the supply ofexisting homes in a new year.
Still affordability takes intoaccount mortgage rates, family
income, single family homes,which remains investing pain
point.
The 2023 median home sale pricewas about 389,000.
(46:11):
$800.
According to NRA.
That's up about 1% from.
2022.
Lower mortgage rates wouldimprove affordability, but
better zoning laws could alsohave a more durable impact.
The sustainability solution tomake it easier to build houses.
(46:32):
That way we can actually startheading to the right direction
with affordability and have.
To be sustainable.
And not just a short-terminterest rate phenomenon.
While feathers tips for youngtime.
For first-time home buyers iskeep saving this year.
For when housing conditions.
They really do improve in 2025.
(46:54):
Invest more money into an indexfund since the stock market is
currently going strong.
URIs be realistic about theneighborhoods you should live in
and consider other moreaffordable housing options, such
a condo or a townhouse.
They also say that newlyconstructed homes may be a
viable option for first-timebuyers.
(47:15):
Because some home.
By home builders.
Proposing new incentives towardclosing costs, such as a two in
one buydown, which is a type offinancing that offers interest
rates.
For the first two years beforeit rises to regular permanent
rates.
She also said that those dealsare becoming more common in
cities that have ramped upresidential construction in
(47:37):
recent years, such as Minnesota.
Minneapolis.
Sorry.
Houston Dallas, Austin, Texas,Tampa, Jacksonville, Orlando,
Florida, Atlanta, and Phoenix.
Young first time home buyersusually don't know.
About that, because there isn'tone place where you can go and
see all the incentives.
So approaching the buildersdirectly to make a deal.
(47:58):
Is it good?
Option.
I can tell you Arizona.
People are coming out here.
There's so much desert.
So like, There's so many placesto live.
The further you get away fromthe city of Phoenix, the cheaper
it becomes.
I know I have some family thatare.
In light.
(48:19):
Kapha Dona.
They're like literally there inthe middle of nowhere, but you
have an amazing mountain view.
I even think flagged Flagstaffis another city that I've been
through all my God.
It's gorgeous.
I bet the housing is.
Cheaper cause you're, you'reliterally like two hours away
from civilization.
They they've built their owntown.
(48:40):
They have a Walmart and whateverlike that.
But like from the main city,like Phoenix it's about a two
hour drive.
So I think the further you getaway from cities.
The cheaper housing could be.
I said, Arizona's a desert.
That was a really good place.
It's felt.
But as I said in the article,it's just building the houses
like.
There was not a lot of housesthat are built.
(49:02):
Which is why the housing pricesare so extreme, but if we had a
lot more houses, You know, Ithink we could make a pretty
good impact.
But we are probably at like 50minutes now of this podcast.
So I just want to.
Tell you all.
thank you so much for listeningto the show.
(49:23):
I hope.
Now that I'm back into the glueof doing these shows.
I can keep up to date.
On the events that are going on,whether it's presidential,
whether it's just another topicthat we kind of need to talk
more about.
I really don't know when that.
Oh, who cares?
You'll be right here listeningto the show.
(49:43):
Guess what guys.
We're almost to 250 listens.
On this podcast.
So just start sharing it withyour friends, family, everyone.
250.
It may not seem like a lot.
But it's a milestone and I will,when we hit it, I'll have a
cupcake for an episode.
Until then.
(50:03):
Thank you for coming to theshow.
Be kind, be safe.
He's smart.
Do something different?
Enjoy, enjoy your mental health.
That's that's.
Before we leave, let's talkabout mental health.
Enjoy your mental health do notlet these jobs dictate how you
will spend your mental health.
(50:24):
Okay.
Because some of these jobs.
And I'm not going to name them.
But some of them are reallydaunting on your mental health.
So you take a day off two orthree, if you can financially
afford it.
And do you do something you loveto do?
Whether that's staying home,playing video games, whether
that's you.
(50:45):
Being your own boss and doingLyft on the side.
Let me tell you.
Don't let anyone overstress youthis year and don't let these
jobs overstress you because intheory, there's so many other
jobs.
I'm not saying quit your job.
But you have to understand youneed a work life balance.
And if you don't have that,you're going to start seeing.
(51:07):
Ah, man, I'm working my ass offand I'm not getting anything in
return.
So take care of your mentalhealth.
Ominous instrumental music Because you
(00:08):
guys loved my random facts inthe last episode we're going to
do.
Two more random facts.
First one.
Did you know that wind turbineskill between 10,000 and a
hundred thousand birds?
Each year in the UK.
Interesting enough painting oneof the blades black.
(00:29):
Can reduce, bird's death by 70%.
And.
For all those people who loveeating bananas.
Guess what.
Bananas.
Radioactive.
Let me, let me explain a littlemore.
Bananas are radioactive due tobeing rich and potassium.
Every banana is actuallyslightly radio active things to
(00:53):
containing the national natural.
Isotope potassium 40.
Interesting enough, your bodycontains around.
16 mag of potassium 40, meaningthat you're around 280 times
more radioactive.
And the banana are ready.
Your excess potassium 40 yougain from a banana is peep.
(01:16):
Keep it out.
Within a few hours.
So as promised.
Tonight because it's night rightnow in Arizona.
We're going to talk about two.
Topics in a sentence or twostories, I would say.
One of them, we're going to talkabout the IVF law that Alabama
(01:37):
passed.
About a week ago.
And then we're going to talkabout Nikki Haley's campaign and
then, because I've been gone forso long, it wouldn't be the last
conversation without talkingabout something that's affecting
a lot of us, especially usmillennials.
Some of us older in ourthirties.
About wanting to buy a house.
(01:58):
You know, we're all trying tolive that American dream of have
a house, have a white picketfence, have a dog.
I have a wife or husband orwhatever.
And some kids all, to be honest,the American dream is not really
the American dream anymore.
Right now.
It's called the struggle bus.
We're gonna talk about all threeof those.
And just a few minutes righthere on the last conversation,
(02:18):
don't go anywhere.
So if you've been living under arock for a while, You wouldn't
may not have heard of Alabamapassing a new law on IVF
treatments for all of those whodo not know what an IVF
treatment is.
It's a.
Introverted way for parents to,for moms become pregnant.
(02:42):
Sometimes parents.
It's hard to get pregnant.
The natural way, right?
And so IVF is another way ofdoing that pregnancy because
they take the.
I would say they take the fluidsessentially.
And they take them out over thebody so that sperm, the mom's
egg, and they do it inside of alag a lab instead to kind of
(03:05):
make the process a little biteasier.
Cause sometimes dad could havelittle swimmers, right?
Sometimes mom's eggs may not beworking.
I don't know.
There is millions of reasons whypeople do IVF.
Surrogacy is another reason whypeople do IVF.
But strictly in this story,Alabama is now restricting it
(03:26):
because.
The fear.
Is that if they restrict IVF andthat means parents literally do
not have a choice in how theybecome parents.
Right.
So let's go into this storyabout it.
So you understand.
Why IVF is so important,especially for those who have
troubles of getting pregnant.
(03:47):
And this affects all races.
It's not just a white thing.
It's, you know, blacks.
Asians.
Every demographic.
Most people will have troublewith.
Fertilization the normal way.
And you know how that is.
If you went to health class andIVF is another alternative,
which usually gives parents alot more hope.
(04:09):
Anyway, so let's keep going.
So providers in Alabama areresuming some in vitro
fertilization, sir services thispast Thursday, the day after the
state's represented Republicangovernor signed a bill into law
aimed at protecting.
IVF patients and providers.
From the legal liability imposedon them by the Supreme court's
(04:33):
ruling.
The new law does not address theissue of parenthood at the heart
of the last months on presidentruling, which prompts some
providers to halt some IVFservices and experts say it's
going to take more work to fullyprotect fertility services in
that state.
The Alabama Supreme court ruledlast month that frozen embryos
(04:55):
are human beings.
And those who destroy them canbe held liable for wrongful
depths.
Three of the state's limitedpool of IVF providers
immediately pause services.
Sending some families out of thestate to access treatment and
prompting a widespread andurgent demand for law makers to
(05:15):
provide a fix.
Again, that is frozen embryosare human beings.
And those who destroy them.
It would be held that would beheld liable for wrongful death.
there could be reasons why theydestroy frozen eggs.
The person could have passedaway and now they don't need
them.
The new law, which pass in themajority of the Republican
(05:38):
Alabama house and Senate lateWednesday before governor Kay
Ivey signed into law aims toprovide civil and criminal
immunity for providers andpatients for the.
For the destruction or damage toembryos.
The legislation will apply.
I'm Rachel out.
Actively.
Under the new law manufacturersof goods use to facilitate the
(06:02):
in virtual process process.
Or transport or stored MBOembryos also are provided with
criminal.
Immunity.
Which two of the three providerswho halted IVF services are
resuming those treatments.
The third.
The clinic at the center of thestate Supreme court case told
(06:22):
CNN that the new law fall shortof providing legal protections.
It needs to resume care.
Gabby price who uprooted herlife and career in order to
afford IVF told CNN on Thursday.
She was relieved, the new lawpassed, but called the law a
band-aid.
She goes on to say, I do feellike there's a lot that needs to
(06:44):
be addressed still.
And I think a lot of the otherpeople.
Feel that way as well.
But with IVF being such a timesensitive procedure, there are
so many families that can'twait.
Price said.
We had to get something in placefor those families that could
not wait.
Still.
The D the law does not nullifythe Supreme court's analysis
(07:05):
that say the law ought.
To treat embryos like people.
Catherine could show.
A assistant professor atNorthwestern university school
of law told CNN on Tuesday.
Experts have expressed concernthat while the Republican.
Law protects providers fromliability.
When it comes to the destructionof embryos.
(07:28):
It could also Insulate them fromstandard medical malpractice
claims.
The Alabama house democraticcaucus said the new law is
short-sighted and does notadequately address the many
legal questions of embryoticpersonhood.
Nor the seriousness ofconsequences of the
unprecedented.
(07:48):
And dangerous Alabama Supremecourt ruling.
It's a lot to digest there.
Let me finish.
Simply put this law is not asolution.
It statement reads.
It serves only to avoid areckoning at the cost.
Of the extending andcomplications of Alabama Supreme
(08:10):
court ruling state, SenatorLarry suit's a Republican and
loan lawmaker who voted againstthe measure in the state.
Senate criticized the languageof the bill arguing.
It is not an IVF protection billisn't IVF provider and supplier
protection bill that is limitingthe ability of mothers that are
(08:30):
involved in an IVF to have.
Recourse.
Essentially it's.
The Supreme court saying thatthey're still human beings,
right?
So this protects.
B.
Facilities that do that becauseas I said, Sometimes you just
(08:50):
can't hold on to them.
Right.
These, even though they'refrozen, they still have I don't
want to use the word, but it'slike an expiration date.
Right.
They can only be frozen for solong.
And like I said, there's othersituations, maybe the person
dies.
Maybe they don't want themanymore, you know, and they
don't want their ag goingsomewhere else.
So, this is kind of like aprotection, but if the Supreme
(09:11):
court keeps going the waythey're going, they're going to
say, well, these are humanbeings.
Essentially embryos are humanbeings.
And you can't destroy them underany law and it would be
criminal.
So this is kind of like a, as Isaid, it's a band-aid.
But we'll see where this goes,because this could also be
chopped up all the way to theSupreme court.
(09:32):
Now we have another, almost RoyV.
Wade situation on our hands.
So carrying on.
Us Senator Tammy Duckworth, aDemocrat who proposed the
national IVF protection bill.
That was a block blast suite wasalso critical of the new law.
She goes on to say I'mdisappointed.
The Republican statelegislation, legislators in
(09:52):
Alabama refused to work in abipartisan way to pass a real
solution to this Republicancreated crisis that makes it
clear.
An embryo is not a human being.
Duck Porto, CNN, and a statementon Thursday.
Alabama state rep Terry Collinsand Senator Tim Melson.
(10:13):
Republicans who introduce thestate law have noted that it was
intended to provide immediaterelief for families.
We've lost access to Ivyservices.
While officials consider morepermanent solutions.
They go on to say that thisaddress.
The immediate problem.
And that is what I am trying todo today.
(10:35):
We need to have a longerdecision or discussion.
Yes, we do.
Colin said last week.
They go on to say, well, MelMelson said, this is a temporary
fix.
This gets the ladies now,currently in the situation that
are in limbo, back to theclinic.
I believe similarly, theknowledge that the new law was a
(10:57):
quick fix after the ruling.
After the court ruling andnotice there are, there's still
more work to come for.
IVF protections.
She goes on to say that I amplease assign this important
short-term measure into law.
So that couples in Alabamahoping and praying to be parents
can grow their family throughIVF.
IVF is a complex issue.
(11:19):
No doubt.
And I anticipate there will bemore work to come, but right now
I am confident that this law.
We'll provide the reinsurancesto our IVF clinics need and
we'll leave them to ensureservices immediately.
Going on IVF patients expresscautious, really.
Price site.
(11:40):
It concerns that the broadimmunity meant to protect
providers.
My ability could leave patientswithout regulations need to keep
them safe from possible medicalmalpractice.
It goes on to say that it doesnot make, it does make it a
little nervous.
And it does make me wonder ifit's going to be harder for
those fighting.
(12:00):
For there.
Regulations to get to them.
Elizabeth Goldman felt likeshe's been living in limbo as
her IVF treatments were halted.
The uterus transplant.
Trent's plant recipient.
Who sold her home move toBirmingham to start a family
said she was thankful tolawmakers for coming together
(12:22):
quickly and helping clinicsreopen.
She goes on to say that this hasbeen extremely stressful and
scary.
These two and a half weekswaiting in limbo while my IVF
clinic was shut down.
Whole mental CNN saying that shewatched every step of the laws
passing and now feels hopeful.
Her journey can continue afterthe clinics reopen.
(12:43):
Gabriel invested more than$20,000 into an IVF treatment in
Alabama before her clinic haltedIVF services and Sheena, her
husband had to leave the stateto continue treatment.
She said the news of the new lawleft her and her husband in
tears.
Although it doesn't take awayfrom all the hurt and craziness,
we felt, it feels like we arefinally seeing change and we
(13:06):
feel supported.
I feel immense relief and hope.
I, I I've never been in thattype of situation.
But I feel for them, you know,to be.
For a service like IVF to be thetarget or on the chopping block
for another Republican state totake access away.
Or mitigate it some other wayis.
(13:31):
Is it's heartbreaking, you know,we.
We see some of these laws andwe're like, oh, well, they don't
concern us.
But then when they truly dostart to concern us, that's when
we're starting to pay moreattention.
Right.
Abortion, no one really paidattention to it.
You know about 10 years ago, butthen since it became on the
chopping block and the Supremecourt cut it down and returned
(13:54):
it to the states.
You know, it's, it's morepassion, right?
It's more, Hey, this is a right.
This is, excuse me.
This is a constitutional right.
But now states.
Or just painting it.
So.
IVF.
I said it's.
They move from one thing toanother.
And IVF is on the choppingblock.
(14:16):
I wouldn't say it's on achopping block.
But I would definitely say thatwe should watch.
Watch and see what they do.
One of the clinics that haltedIVF treatment after the state's
court decision, Alabamafertility in Birmingham plan to
resume services.
This past Thursday.
The clinic canceled at least 35frozen embryo transfers in which
(14:37):
a fertilized egg is implantedinto a uterus in less than two
weeks after pausing treatment.
The practice already.
As an embryo transfer slate forThursday afternoon, according to
their doctor.
The doctor says we cannot waitto celebrate with our patients.
Honestly, we can't wait to dothe first embryo transfer.
We can't wait to see the firstpositive pregnancy test.
(15:00):
It holds even more meaning thanit did before.
McQueen joined families andother IVF associates at the
Alabama state house last week tocall for immediate registration.
Distortion, I should say ofservices as lawmakers inside,
rush to push through a law thatwill protect them.
We appreciate the efforts fromthe lawmakers to push through a
(15:23):
bill that meets the needs of allstakeholders involved in IVF
treatments in Alabama.
We are grateful that we haveheard that they have heard our
voices and we are proud of ourpatients who have barely shared
their stories and are soimpressed with the with the.
Advocacy effort on behalf ofinfertility.
(15:44):
Patients.
The state's largest health caresystem.
University of Alabama atBirmingham also announced they
would restart IVF services.
That were paused after the stateSupreme court.
UAB appreciates the Alabamalegislature and governor Ivey.
We're swiftly passing andsigning a law that provides some
protections.
(16:04):
And will therefore allow UBA torestart its in retrial.
Fertilization treatment alsoknown as IVF.
Said Dr.
Warner ha.
Chair of the UAB department ofall the other stuff.
While UAB is moving to probably.
Resume IVF treatments.
We will continue to assess thedevelopments.
(16:26):
And advocates for protectionsfor IVF patients.
And our providers.
They go on to say that we, as weunderstand the language of the
proposed law, As it stands, weare not reopening.
Hold on.
Sorry.
Total different people.
(16:48):
The defendants of the stateSupreme court, the center for
reproductive medicine at mobileand formerly will not be yet
resuming IVF services.
According to a statement thatthey sent, as we understand the
language of the proposed law, asit stands, we are not reopening.
Our IVF facility until we havelegal clarification's on the
(17:10):
extent of immunity provided bythe new law Alabama's law.
At this time, we believe the lawfalls short of addressing the
fertilization eggs currentlystored across the state and
leaves challenges for physiciansand fertility clinics, trying to
help preserve.
Or help deserving families havechildren.
On their own.
(17:30):
The American society ofreproductive medicine released a
statement last week.
Warning that without law toaddress the issue of whether a
fertilize a is a legallyconsidered a person IVF.
Providers are still vulnerable.
We believe these bills will notprovide the assurances Alabama's
fertility.
Physicians need to be confident.
(17:51):
If they can continue to providethe best standard of care to
their patients without puttingthemselves their colleagues and
our patients at legal risk.
Welcome to IVF.
And these are some of the statesthat have introduced.
I'm going to read it here.
It says Bill's attempting toestablish the same legal
protections for fertilized egg.
As a born person, also known asa fetal personhood bills.
(18:16):
Have been introduced in 15states or states already have.
Fetal personhood laws on thebooks.
Arizona law is temporary blockedby a federal judge.
Arizona is on there.
Utah has introduced a bill.
Colorado has introduced a bill.
Kansas has introduced a bill.
Oklahoma has introduced a bill.
(18:36):
Alabama already has a personhoodlaw.
Georgia already has a personhood law.
Florida has an introduced bill.
South Carolina has introducedbill north New York has
introduced bill Illinois alsohas an introduced bill as well.
So.
I want you to share yourcomments or share your thoughts
(18:59):
in the comments, whether I postthis.
On YouTube or Instagram or taketalk and let me know.
Do you believe here's aquestion, do you believe.
That a fertilized egg as a bornperson.
Answer that, do you think so?
(19:19):
Fertilize egg.
You know, sperm a fertilize nowit's frozen or whatever.
Do you think that that's aperson.
We'll be right back.
Don't go anywhere because we'regoing to talk about.
Nikki.
Hailey.
As much as you want to say aboutNikki Haley, I have to say that
she put up.
A really good campaign.
(19:39):
I mean, she brought in people.
From both spectrums, Democrat,Republican, independent
undecided.
She did her thing I have to say.
And I, I, I I've said thisbefore that if she actually won
the Republican nominee, It wouldhave been kind of hard to vote
(20:01):
between herding buy-in because.
I don't know it was.
She ran a campaign.
That was.
Good.
Okay.
It was, it was a very good.
Came Kim mob.
Let's start this over.
She ran a very good campaign.
And I believe that.
(20:23):
Once Joe Biden and Trump.
Hash out.
There their vote again.
Once their four years, whoeverwins.
You know, once their four yearsis up.
I definitely think that she'sgoing to come back as a
Republican candidate.
And she actually might.
(20:43):
She might actually win.
But a lot of people were like,well, when is she going to drop
out?
And she dropped out after superTuesday, which.
It was very evident that she wasnot going to win the delicate
she needed to become theRepublican nominee.
So let's go and see that story.
Since the night of the NewHampshire primary, Nikki Haley
(21:04):
has faced one consistentquestion.
When would she drop out?
It came from GLP leaders whocalled on her to suspended her
campaign as former presidentDonald Trump.
Wrapped up and more wins andfrom political observers who
assumed that she would ratherleave the race and face a
potential embarrassing the feetin her home state of South
(21:26):
Carolina.
But for weeks, Haley made clearpublicly and privately that the
make or break point of hercampaign would come on super
Tuesday when GOP primary votersare more than a dozen states,
including delegate, whichCalifornia and Texas.
Weigh in.
When they did the answer wasvery clear.
(21:47):
I mean, I watched super Tuesdayat the hotel.
I was staying at.
And it was, it was sad.
It was literally like he wassweeping the floor with her.
I will say that she did winWashington and she won Vermont.
But Texas, she needed the, whenTexas Steven become like a
challenge.
California, she needed, like,there was some vital stays that
(22:09):
she needed to win in order toeven stay as like a.
As a competitor, but she didn'tnow Texas.
Oh, from California, all of her,like it was just sweeping.
Trump won nearly every contestthat night.
Except for Vermont.
(22:30):
Or Nikki Haley prevailed.
They go on to save it.
I said, I wanted the Americansto have their voices heard.
Haley said hours later, as shesuspended hurricane pane,
Wednesday morning, I have donethat.
I have no recurrence.
As I've said, Nikki Haley gavethose people who wanted a voice,
a voice.
I don't know how she did it,but.
(22:52):
It was like, Especially forthose who didn't want to see
another matchup between BidenTrump, right.
And she just, she was given theanswers that people want.
It, it was more of like, she wasthat.
She was that bipartisanpresident, which I feel that we.
Desperately need.
At this point, we need abipartisan present that sees the
(23:12):
wrongs in both parties, notjust, oh, well, Democrats are
global, blah, blah, blah.
Oh, well, Republican there,blah, blah, blah.
We need someone who's going tobe like, they're all their
fault.
This is why we have the issuethat we have.
And as president, I would do X,Y, and Z.
Right?
Nikki Haley was that candidate,right?
The sand has wasn't because hewas like, well, Democrats did
(23:33):
this through to this or to that.
Tim Scott.
Was like Democrats did this anddid that Nikki Haley for me, in
my personal opinion, I felt likeshe was the only person who was
in the middle.
Who's like, this is what we didunder Trump.
This is what we did under Bidenis how I'm going to correct.
This is how I'm going to fix it.
So I liked that about her.
(23:55):
It goes on to say that Haley hasbeen the first of Trump's
challengers to launch hercampaign and became the last
suspended.
Nearly 13 months of campaigninghad to come to an end with Haley
becoming the first woman to wina GOP primary contest.
But also with Trump still.
Saline toward his third straightpresidential nomination in a
(24:15):
row.
For now Haley faces a newquestion.
Will she endorse Trump onWednesday?
She did not.
Instead of calling on formerpresence to practice the
politics.
Of addition and earn the volt.
Of those who did not back him,her goal is to open up a
conversation about issues withinthe Republican party and push
the party toward unity.
(24:38):
One thing that.
A lot of people had spectatedwas that she was going to drop
out and that she was willing toendorse drunk because I don't, I
don't know if I've said this inprevious episodes, but before
they were on the debate, theyhad to sign a pledge.
That pledge said, if you.
What did that pledge say?
It said that you would supportthe Republican nominee.
(25:00):
That was the only way that youcould get your foot on, that you
get your foot onto the baitstage.
In her speech that she gave.
She said, yeah, I did it at timeto.
Get on the stage, right?
Who wouldn't.
You know, if you want to get onthe stage and, you know, Debate.
You're going to say whatever youhave to say.
And I totally agree.
Say whatever the hell you haveto say.
(25:22):
And then when everyone elsedropped out and she was on her
own.
You can change your entire mind.
The baits are over trumping on adebate.
You, he didn't come to any ofthe other debates.
And I don't think that she'swanting to endorse Trump.
I think.
I think that she's going to staywhere she is.
And I think that she will, shemight low for him.
Privately, but I don't thinkshe's just going to come out and
(25:44):
be like, yeah, I'm going toendorse Trump now, Tim Scott,
that little.
I got words.
Ah, he's been kissing Trump'sfeed and licking them ever since
he suspended his campaign.
But that's a whole differentstory.
Anyways.
I don't think that she's goingto endorse him.
I think she might.
The privately forum, butendorsing.
(26:07):
She said that he's going to haveto earn.
That's not going to happen byNovember.
So.
Anyways, going back, it says hergoal is to open up a
conversation yet we.
You write that?
In the days leading up to herdecision.
Suspend her bid her campaignreceived a significant amount of
feedback.
On the subject of endorsingTrump or not.
(26:28):
Sources, tote, CNN.
People who are close with Haileyhave difficult, have different
opinions.
Some believe that it would begood for her to bat Trump
because she would be viewed as ateam player.
Others oppose her endorsing himbecause that would give Haley
the freedom to be critical ofTrump and build her own
movement.
(26:48):
One of those voices told CNNthat they believe that Hailey's
remarks on Wednesday were tooforgiving of Trump, particularly
when she expressed her.
Hope that Trump will besuccessful in earning the vote
of her supporters.
The two separate camps.
Have shared those opinions withHaley and hurricane pain in
recent days and weeks sourcessaid.
(27:08):
Haley herself has recently saidthat she is not focused on
endorsing anyone because she isfocused on winning herself.
She has also pointed to hersupport, which reached 30 to 40%
and a handful of states as asign of Trump's weakness.
According to a scene in exitpolls and New Hampshire, South
Carolina, Virginia, NorthCarolina.
And California only 19% of Haleysupporters said they would be
(27:32):
satisfied.
With Trump as a nominee, 75% 79said they would be dissatisfied.
In my personal opinion as apolitical science.
Measure.
I'm kidding.
I don't think she should endorsethem.
I think that she is.
Collect that this is her time tobuild her base and to build
(27:54):
those supporters because thosesupporters could be like, well,
then you did all this fornothing.
If you're just going to endorsehim.
So that means all the thingsthat you said about how many,
you're just going to go with it.
Right.
So I believe that she should goahead and not endorse him, build
up her own base.
Because he had posted on histrue social day.
He didn't want any of the NikkiHaley supporters and Biden was
(28:15):
like, well, I'll take them.
Boom.
There you go.
But.
She's going to be back, but Idefinitely think that she should
build up her own.
Campaign build up her ownplatform.
As when Trump's gone.
There'll be her return.
Hopefully.
Anyways, moving on.
(28:36):
So Kimberly Rice, a former NewHampshire representative who
served as a co-chair for Haley'scampaign.
Any granite state said that Shewas one of Haley's voters.
She referred to the formerpresence statement that Haley's
donors would be barred.
Permanently.
From the magazine world, a move.
She said she and others tookseriously and personally.
(29:00):
It's one thing to attack.
Fellow candidates, especially onpolicy issues.
She said, But when you go asfar.
For the juggler and go onpersonal issues, then you attack
the supporters like that.
I don't think you have toswallow a little humble pie and
try to work on bringing themback in.
(29:20):
Some top officials on Haley'scampaign told major donors in
recent weeks, that super Tuesdaywould dictate whether or not
Haley stayed in the race.
According to two sources.
They made a persuasive case inthese private conversations
saying that the race.
Bruce super Tuesday would giveHaley's team more data about the
GLP elaborate and sources saidHaley's team wanted the data
(29:43):
before making the call tosuspend hurricane pain.
Instead of pulling a plug onlyafter a few states had voted.
The benchmark for success was40% of the vote.
Building on a, her previousperformance in the early states,
Haley ultimate hit that target.
And just two of the states thatvoted on Tuesday, Utah and
Vermont, as a result, mostdonors are not surprised.
(30:06):
My Haley's decision to drop outon Wednesday particular because
they didn't expect the outcome.
In the two super Tuesday statesto be better than Haley
previously performed.
Someone went on to say that shemade the right decision and she
ran a good race.
One of the donors said it was animpressive and smart approach to
challenging Trump.
Haley herself engaged inoutreach to some top donors very
(30:27):
late Tuesday night.
Members of Haley team alsoreached out to top donors to say
that she was dropping out.
It's too early to tell where thedonors will go from here.
As Haley rose in the polls lastfall, she gained the backing of
several wealthy donors, eager toboost a promising alternative to
Trump.
That support was born.
A both benefit.
(30:49):
And burden as her Republicanopponent, including governor Ron
DeSantis has argued that she wasbeholding to her donors, Haley
countered.
Arrivals were jealous.
They weren't getting thatsupport.
Americans for.
Prosperity.
The political network associatedwith bill and air Charles, who.
(31:11):
Cough.
Endorse Haley last Novembereight at her until the day after
South Carolina on the groupsthat it would stop spending
money on her.
Haley is not just going to goaway.
She's still going to be there.
In the weeds between January23rd, New Hampshire primary and
February 24th, South Carolina.
When questions rose about howlong her campaign would last.
(31:33):
Haley began investing time andmoney in super Tuesday states to
help quarrel the rumors shemight drop out.
I'm not going anywhere.
Haley told supporters and thevent on in California, early in
February, I'm willing to takethe bruises.
I'm willing to do the fight andgo.
Through the pain, all I'masking.
Is that you stand there with me?
(31:55):
Haley held more than a dozenevents in super Tuesday,
including Texas, Massachusetts,Virginia overalls Hailey's net
worth spent about 82 million onads.
With about 17.9 million comingfrom her campaign, 64.4 million.
From the S F a fun, the leadsuper pat supporting her bid in
(32:19):
addition.
Americans for prosperity action.
Huth aligned.
superPAC back in Hailey spentabout 8 million on ads
supporting her.
Am I.
I'm sorry that that was probablythat's a lot of money to be
spent.
18 like.
Wow.
Like, I mean, if I ever ran forpresident, like dude, like that
(32:43):
is 64, 60 4 million.
82 million and add 17.9 millioncoming from a hurricane pain.
Running for president is notcheap.
Probably the legislature isprobably the same amount of
money.
I'll look it up.
But that spending shifted in herfinal weeks of the res Haley did
(33:04):
not make new investments intelevision advertisements.
A decision that was far fromunanimous among some of our top
supporters and donors whobelieve that she could have made
a stronger run against Trump.
And suburbian areas in NorthCarolina, Virginia, Texas, and
beyond.
It's unclear how much moneyHaley will close her candidate C
(33:26):
with, but the candidate.
Who has remained remindedsupporters at virtually every
campaign to stop that she is anaccountant by trade.
Was intentionally focused on notgoing into debt and spending
more than her chances warrantedas an advisor said, She can also
reserve any of her finances forfuture political endeavors.
(33:49):
Should she have a future in theTrump controlled Republican
party?
Haley won't just go away.
Cannon Dawson a long time,Haley, ally, and former chair of
the South Carolina Republicanparty.
This is not the last you've seenof Nikki Haley.
He said.
She will know who her friendsare and I promise.
(34:10):
Remember.
Who was against her efforts.
In this endeavor.
Wow.
Let's let's give, let's giveHailey.
Around of applause.
She did.
She did her best.
I definitely think of.
She spent all that money onadvertisements that she should
have definitely been spendingmore.
(34:32):
Before to super Tuesday, even onsuper Tuesday, like before
people were even hitting thepolls.
Hey, before you go, go ahead andlook at this ad for Nikki Haley.
Like.
I said, I think that she ran anamazing campaign.
I think that she pulled inpeople from the left people from
the right people from the middlebecause she had that type of
campaign.
She understood that both partieswere at fault of how the country
(34:54):
is currently.
And that she was truly givenpeople a voice.
I think if Trump wasn'tinvolved, I'd definitely think
that she would've probably did alot better, but because Trump
and his.
Cult people are so heavily onhim being present.
And again, they just overtookthe stage.
And even if.
(35:14):
You know, Trump loses thispresidential.
He's still going to havesignificant hold.
Over the Republican party, whichis going to make it even
extremely hard for any otherperson to really take that stage
away from them, becauseessentially they want to look to
him and be like, Hey.
You know, is this guy, should weendorse him?
(35:36):
No.
And there we go.
Every Republican candidate hasto pretty much.
Beg or bow down to Trump.
If they're going to take on thatpolitical party.
Or for they're going to take onthe Republican party to become a
Republican president, becauseyou're going to need his
endorsement, especially now thathe installed his
daughter-in-law.
Until the RNC, which pretty muchgives out all the money for
(35:59):
Republican parties orcandidates, I should say.
So they're going to have to bowdown to him.
And be like, oh yes, Trump.
I love your policy.
I love you, blah, blah, blah.
In order to get anywhere nearbeing present.
A Republican present a UnitedStates.
So.
It's going to be rough now, allthe other little smaller
(36:20):
elections life for governor.
Congressman letters, local stateand Senate.
You don't really need hisblessing or anything like that.
Maybe acknowledge him if you'rea Republican.
But if you are trying to run forlike the big leagues.
Yeah, you're definitely going tohave to bow down to him.
So we're gonna take a quickbreak and I'm going to bring the
(36:42):
last story.
I want to talk to you about thestruggle bus of.
The housing.
And about how millennials.
Not really looking forward tobuying the houses right now.
We're just trying to survive allthat coming up.
Next.
As much as we young people.
Want to buy a house?
(37:02):
We can't.
Because we're broke.
And we're struggling.
Honestly, it's, you're livingpaycheck to paycheck.
And you're trying to just.
Survive.
Sorry about that.
My computer decided to traindie.
Anyways.
So we're just trying to survivelike the housing market just
isn't good.
(37:23):
So CNN posted a article.
I'm going to try and go throughit.
They really quickly cause we areat.
Eight minutes.
And I know these are, you know,Episode.
Oh, anyways.
Americans are living through thetoughest housing market in a
generation.
And for some young people, theAmerican dream of owning a home
is slipping away.
(37:44):
Mortgage rates surge in recentyears, hitting the highest
levels and more than two decadeslast ball.
While rates have come downsignificantly since then.
Home prices remain painfullyelevated, and a limited
inventory of housing is stillfailing to keep up with demands.
Such conditions mean thathousing has become woefully on
(38:06):
affordable.
Falling mortgage rates in recentweeks have helped.
But home prices could remainsticky.
According to economics.
It's still a.
Quality time to be hunting for ahome.
It's even worse for young.
buyers who need to save up adown payment and build up their
credit score while during atime.
(38:29):
When baby boomers are refusingto part with their homes.
The situation isn't a whole lotbetter for winters.
With the rent barely coming downfrom Wexford, highs and have
tenants in the market.
Same.
They can't even afford theirpayments.
The uneasiness over Milton'saffordability crisis is
captured.
Clearly in surveys and polls.
(38:50):
Data that outlines the sentimentspecifically among young people
is limited.
CNN spoke with some youngAmericans about their thoughts
on the current state of the ushousing market and their plans
for the future.
Surviving is priority, notsaving a down payment or even
having kids.
Brandy grant 35 lives in SanFrancisco bay area.
(39:14):
California and a wonder what.
One of the most expensivehousing markets in the country,
despite a difficult upbringing.
She pushed herself to graduatefrom college with a bachelor's
degree and is now making 76,000a year as a senior consultant
for an academic publishingcompany.
But she says she is barelymaking ends meet.
After paying her bills eachmonth, including the$500.
(39:37):
$500 to chip away at more than$90,000 in student debt grant
says she doesn't even haveenough to save for down the
positive.
Excuse me.
She goes on to say I'm real,real tight.
She said having kids will neverbe on the table.
I haven't even put a cent in myretirement fund.
(39:57):
So there is just zero hope forme ever to own a home.
The minimum down depositrequired to purchase a home.
Depends on various factors, suchas the type of mortgage being
taken out.
The prospective home buyerscredit score and the properties
asking price.
The conventional wisdom is thathopeful buyers could save to put
(40:18):
about 20% down before shopping.
Before shopping around, butdoing this is a pipe dream for
those who can't even save tobegin with, I can't even save
barely$200 a paycheck, and youwant me to put 20.
21% down on our house.
I, I, and this is a side note.
I just recently got a carbecause, you know, moving from
(40:41):
one state to the other, I didn'twant to have to do all that
traveling.
But I had to put a significantamount of money down for a car.
Like.
You know, right now it'sstandard to put down on a car is
like 2,500.
That's not easy to just come upwith.
Or to look at your bank accountand be like, oh yeah, I got
money.
And then growing up, I gotta putthat 2,500 down on the car.
(41:03):
It's not.
Easy, and it just makesstruggling a lot harder.
So.
Yeah.
But the typical down payment fora first time home buyer is
usually much less 6% last year.
Jordan too.
The national association ofrealtors.
A government back.
Federal housing administrationloan required a down payment as
(41:25):
little as 3.5%, even saving upthat much.
It can be daunting.
It's taken nine years pertypical home buyer to save up.
The median down payment on ahome with a median value of the
United States.
According.
The Zillows data.
Building a down payment.
As has been difficult for RossBowden.
(41:46):
8 26 year old case managerliving in St.
Louis, Missouri with his wife.
That's mostly due to acombination of how expensive his
rent is and they're costlymedical bills.
Which eat up a significantportion of the couples monthly
budget.
Their current financialsituations mean having kids
anytime soon is out of thequestion.
I generally haven't even beenable to save money over the past
(42:08):
year.
Burden said, I don't think thatbuying a house super realistic
for me, even in the next coupleof years.
So I'm not really thinking aboutthat right now.
And if me and my wife were tohave children.
We would definitely want to befinancially comfortable.
Or capable of doing so.
So I also don't see in that evenrealistic.
(42:29):
Because children are expensiveand it's, it's almost like
you're choosing children orhouse children or a house.
Cause.
You're not going to be able toafford both.
I mean, children itself with.
Cribs, Pampers doctors, all thisother crap that you have to do,
especially if you're workingnow, you know, you have to
change your work schedule.
You have to take them to daycareor getting a nanny or a family.
(42:50):
And now.
You might be working less thanwhat you usually are and then it
still doesn't stop your dailybills.
Being an adult is not easy.
You have a couple optionsstaying with your parents or
leaving the country.
For some living with parents isthe best option.
And that certainly seems to bethe case nowadays.
(43:12):
With housing affordability out.
Of reach for many young people.
More than half of us adultsbetween 18 and 24 live with
their parents in 2023.
That's been the reality for Corygrips.
Who's 24 who lives with hisparents home in Portland,
Oregon.
He graduated with a master'sdegree in history last year from
Minnesota state university, butsaid he hadn't.
(43:35):
He hasn't had any luck finding ajob aside from not having the
financial stability of full-timeemployment just yet.
You say he doesn't find itpossible to own a home someday,
unless he finds a partner first.
Having two incomes Sten.
Does a lot for you.
And I can't imagine owning ahome until I've partnered with
somebody.
Griffin says the housing marketis not a single person.
(43:57):
Market.
What typically happens when aregional housing market becomes
too unaffordable?
Is that people without themeans, simply meet elsewhere,
cheaper.
Such as the suburbs and our way,for example, a less common
option is moving to a completelydifferent country.
Shoreham.
37 is a naturalized us citizen.
We came to the country fromMexico as a child back in the
(44:20):
1980s, he currently works at ahotel in Santa Fe, New Mexico.
The most expensive market in thestate, living in a rental,
single family home with hissister and her three daughters,
I should say.
Aguilar has said that he doesn'tthink only in a home in Santa Fe
is a reality in the next 10years, but that moving.
To Meridian, Mexico, sometime in2025 to start a laundromat
(44:43):
business with his partner who iscurrently working in Colorado,
probably be a much better bank.
Washers and dryers are not thatexpensive in Mexico.
And we already looked at theprice has started a laundromat.
Which would be about$10,000.
Aguilar said I can take thatmoney to open a business over
there.
Over here.
That's not even, that's not evenenough for a down payment on
(45:05):
house.
Hi, mortgage rates are a bigreason why some feels so
dismayed with America's housingmarket, but there's been some
good news lately.
The federal reserve has signaledthat it would soon.
Interest rates now.
That decade high inflation hasyou.
Eased off.
(45:25):
Such a move will be average 30year fixed mortgage rates
though.
Economists said that they doubtrates will fall below 6% this
year.
homeowners have told usrepeatedly.
As of late bat high mortgagerates of the top reason why it's
both a bad time to buy and sella home.
(45:47):
And so a more positive mortgagerate, outlook, more
incentivized.
Some to list their homes forsale.
Helping increase the supply ofexisting homes in a new year.
Still affordability takes intoaccount mortgage rates, family
income, single family homes,which remains investing pain
point.
The 2023 median home sale pricewas about 389,000.
(46:11):
$800.
According to NRA.
That's up about 1% from.
2022.
Lower mortgage rates wouldimprove affordability, but
better zoning laws could alsohave a more durable impact.
The sustainability solution tomake it easier to build houses.
(46:32):
That way we can actually startheading to the right direction
with affordability and have.
To be sustainable.
And not just a short-terminterest rate phenomenon.
While feathers tips for youngtime.
For first-time home buyers iskeep saving this year.
For when housing conditions.
They really do improve in 2025.
(46:54):
Invest more money into an indexfund since the stock market is
currently going strong.
URIs be realistic about theneighborhoods you should live in
and consider other moreaffordable housing options, such
a condo or a townhouse.
They also say that newlyconstructed homes may be a
viable option for first-timebuyers.
(47:15):
Because some home.
By home builders.
Proposing new incentives towardclosing costs, such as a two in
one buydown, which is a type offinancing that offers interest
rates.
For the first two years beforeit rises to regular permanent
rates.
She also said that those dealsare becoming more common in
cities that have ramped upresidential construction in
(47:37):
recent years, such as Minnesota.
Minneapolis.
Sorry.
Houston Dallas, Austin, Texas,Tampa, Jacksonville, Orlando,
Florida, Atlanta, and Phoenix.
Young first time home buyersusually don't know.
About that, because there isn'tone place where you can go and
see all the incentives.
So approaching the buildersdirectly to make a deal.
(47:58):
Is it good?
Option.
I can tell you Arizona.
People are coming out here.
There's so much desert.
So like, There's so many placesto live.
The further you get away fromthe city of Phoenix, the cheaper
it becomes.
I know I have some family thatare.
In light.
(48:19):
Kapha Dona.
They're like literally there inthe middle of nowhere, but you
have an amazing mountain view.
I even think flagged Flagstaffis another city that I've been
through all my God.
It's gorgeous.
I bet the housing is.
Cheaper cause you're, you'reliterally like two hours away
from civilization.
They they've built their owntown.
(48:40):
They have a Walmart and whateverlike that.
But like from the main city,like Phoenix it's about a two
hour drive.
So I think the further you getaway from cities.
The cheaper housing could be.
I said, Arizona's a desert.
That was a really good place.
It's felt.
But as I said in the article,it's just building the houses
like.
There was not a lot of housesthat are built.
(49:02):
Which is why the housing pricesare so extreme, but if we had a
lot more houses, You know, Ithink we could make a pretty
good impact.
But we are probably at like 50minutes now of this podcast.
So I just want to.
Tell you all.
thank you so much for listeningto the show.
(49:23):
I hope.
Now that I'm back into the glueof doing these shows.
I can keep up to date.
On the events that are going on,whether it's presidential,
whether it's just another topicthat we kind of need to talk
more about.
I really don't know when that.
Oh, who cares?
You'll be right here listeningto the show.
(49:43):
Guess what guys.
We're almost to 250 listens.
On this podcast.
So just start sharing it withyour friends, family, everyone.
250.
It may not seem like a lot.
But it's a milestone and I will,when we hit it, I'll have a
cupcake for an episode.
Until then.
(50:03):
Thank you for coming to theshow.
Be kind, be safe.
He's smart.
Do something different?
Enjoy, enjoy your mental health.
That's that's.
Before we leave, let's talkabout mental health.
Enjoy your mental health do notlet these jobs dictate how you
will spend your mental health.
(50:24):
Okay.
Because some of these jobs.
And I'm not going to name them.
But some of them are reallydaunting on your mental health.
So you take a day off two orthree, if you can financially
afford it.
And do you do something you loveto do?
Whether that's staying home,playing video games, whether
that's you.
(50:45):
Being your own boss and doingLyft on the side.
Let me tell you.
Don't let anyone overstress youthis year and don't let these
jobs overstress you because intheory, there's so many other
jobs.
I'm not saying quit your job.
But you have to understand youneed a work life balance.
And if you don't have that,you're going to start seeing.
(51:07):
Ah, man, I'm working my ass offand I'm not getting anything in
return.
So take care of your mentalhealth.
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