Homeownership Hurdles to Gun Policy: Creative Fixes and Pro-Human Paths

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Dave exposes how 30-year mortgages once aligned with life milestones, now

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crushed by rising costs, as Jerremy urges

education on creative financing paths.

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Yet the tension simmers—if necessity

sparks invention, why does the

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system still block the basics?

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Dave: If you are under

the age of 40, it's house.

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And

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Jerremy: Yes.

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Dave: when was the last time you

heard a politician talk about housing?

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Jerremy: Oh, correct.

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Correct.

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And that is, it is so unique and so

interesting because we're also the

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politicians right now are using that

as a divisive oh he's doing all these

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things wrong because he is raising

all the prices because of whatever.

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So he's making you, or she's

making it more expensive.

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And obviously everyone's kinda

like blaming the Trump right now

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'cause he is in office, right?

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So it's hey, housing is expensive,

it's your fault 'cause of

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tariffs and blah, blah, blah.

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Dave: Yeah.

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Jerremy: Instead of, if I

was in that exact role today,

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Dave: Which you

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Jerremy: I would say, yes, sir.

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I would say, listen, I feel you.

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I understand you.

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I have been there before.

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Here is the way you can afford housing.

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Dave: Yeah.

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Jerremy: Here's the path.

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Let's educate you on this.

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Here's the series of books.

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Here's some series of videos.

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Here's the series of of ideas and beliefs.

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It's okay to start in an apartment.

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That's perfectly normal,

perfectly reasonable.

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Very common in the us And then

while you're in this apartment,

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you save aggressively, you begin

to invest, you cut down expenses.

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These are conversations that we

just do not have anywhere right now.

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We don't have it in the office.

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We don't have, he's upgrading the

ballroom and bro's not talking anything

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about housing and the cost of housing.

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Dave: there isn't, but

there's nothing on housing.

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The

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Jerremy: No chat.

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Dave: If there's no

discussion on it, then.

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Regardless of what the policy is or isn't,

then you are effectively saying what the

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pains that you are feeling don't matter.

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because I'm gonna go work

on, crypto, blah, blah, blah.

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It's okay, that's not helping like a young

family start a family and afford a house.

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And look, I, my very first house that

I afforded, I, man, me and my wife at

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the time, we scrimped, we saved, we had

to borrow money from friends and family

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in order to figure out down payments.

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And within five years, we wouldn't

have qualified for our house because

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we couldn't have afforded it.

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The price of the house kept on going

up and up and up and up and within 10

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years, it was completely out of sight

because of, again, the government

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was creating these loose standards.

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And that's how we got the 2008 crash.

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Because I'd bought my house in 96

then by: 2008

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price of the house was insanity.

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And that was driven up by,

by government programs.

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So like I hear you on yeah,

there's ways to do it.

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Yeah.

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But there is no government

policy right now that is that.

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Helping first time home buyers really

get in the door and start that process.

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I was lucky because I was

able to start at my twenties.

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Most people are not buying their

first houses until their forties.

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That's a lot, like that's 20 years of

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Jerremy: missed out equity appreciation.

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Dave: wealth that, you don't got,

like you're just dumping it into rent.

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I'm like

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Jerremy: Yeah.

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Dave: that freaks me out, dude.

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Jerremy: Yeah.

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We,

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Dave: a 30 year mortgage.

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The whole idea of a 30 year mortgage

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A house in your thirties, right?

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And pay it off in 30 years so that

when you retire at 65, you don't

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have a house payment anymore.

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30 year mortgage wasn't just

pulled out of somebody's ass.

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That was the actual structural

reason for a 30 year

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Jerremy: Yeah.

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Yeah.

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Dave: go to most countries, like if

you go to Turkey right now, they don't

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even know what a mortgage is like.

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Like

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Jerremy: most countries don't.

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Yeah.

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Most countries.

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Dave: For your place.

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That's it, right?

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There is no mortgage.

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If there is, it's a small mortgage.

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So I don't know, man.

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Jerremy: Yeah.

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But that's the same way.

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Mexico and those most

countries don't have mortgages.

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Dave: Yeah.

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Jerremy: to buy their houses in cash.

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And that's a very interesting.

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Way to approach it.

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It's not a capitalistic

society necessarily, but

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Dave: But the price

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Jerremy: 'cause

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Dave: would be less, I'm guessing, or

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Jerremy: the price of the

house is less, but the people

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also make less money though.

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So it's a very interesting blend.

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But again, I do think it's a conversation

that for a president to have and to

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speak on, or congressmen and women

to speak on and start educating our.

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Twenties and thirties, our

millennial millennials and

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Gen Zs and Gen Xs or whatever.

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Here's how you can buy a house.

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Here's the way it looks.

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There's ways to get a mortgage,

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Dave: Yeah.

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Jerremy: Like subject to you can

reclaim someone's current mortgage and

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be paying what they currently paid.

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You can do owner financing.

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There's all different

ways to structure deals.

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There's so many different

opportunities and or.

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Go buy something that's really

inexpensive and live in it for a while.

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Dave: Yeah.

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Jerremy: are plenty of states, South

Dakota, Oklahoma, Florida, Tennessee,

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Kentucky, Missouri, Arkansas.

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Starting, but like you can

go buy a house for 200,000.

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Dave: I hear you.

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But you also have to have the jobs.

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So

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Jerremy: Yeah.

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But you can afford a 200,000.

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Dave: co-located for a lot of jobs,

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Jerremy: but all the jobs are online now.

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There's 90, 90% of jobs can be online.

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Not all of them, but if,

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Dave: blown away by ai.

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So unless you're turning

a wrench, forget it.

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Jerremy: Hey man.

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But that's the beauty of it though.

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The beauty of it is

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Dave: Yeah.

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Jerremy: we have someone that goes,

this is an American value and American

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virtue, which is let's all figure it out.

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Have to all figure it out.

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We all have to go, all right,

necessity is the mother of invention.

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If AI's gonna take your job, go

find a job that you can create,

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Dave: Yeah.

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Jerremy: you can build, that you

can source, that you can scale,

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that you can go and create income.

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'cause it's available, right?

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But that's just not a message that

the young, the youth is hearing right

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now because that is very realistic.

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It's extremely doable

anywhere in the country.

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You still have the

ability to figure it out.

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It's a solution that can be solved for.

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Dave: Coming back to your

favorite topic, education,

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Jerremy: Yeah.

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Come on dude.

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Dave: when we're talking about all these

things with voters like I said I know I

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had a lot of civics, growing up, even in

like grade school, that was a piece of it.

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Voting like there's bits and pieces of it,

but, I don't know if that's anachronistic.

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I don't know if civics

is even taught anymore.

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I have no idea.

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But What would you envision the

education around voting or civic

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engagement or just being a part of

your community, of your country?

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What would you like to see?

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What is it today and what

would you like to change?

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Jerremy: Today it's very,

again, just taking it from my

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15-year-old, it's very historical.

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It's very memorized, meaning

here's who voted for the 19 19 10

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presidential race and here, right?

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So I was like, you're memorizing facts.

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It would be very useful.

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And again, I don't think it needs

to happen until high school.

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In fact, I don't actually believe that

a lot of the majority of what we're

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discussing in school needs to truly

happen until high school like calculus.

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You can, I'm gonna go down that diatribe.

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I obviously know that education reform

is gonna be the absolute number one

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thing that's gonna shift this country

so fast, so quickly so exponentially.

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But from the voting piece,

that's just a standardized class.

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That's something that is

required in high schools, right?

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We just start it.

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When you are 15, 16, you're gonna

start just learning about how

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this country works, how the voting

works, and you're gonna have.

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Votes and you're gonna be casting ballots

and you're gonna come up with reforms,

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you're gonna have discussions and it's

just gonna be open because at that point

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you also have gone through school where

you know how to con converse with people.

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You know how to actually have

conversations longer than three

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seconds and saying hi, and then

going right back to your phone.

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You know how to actually talk.

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You know how to be a human being

because you've been a being right

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for the last five or six years as you

have progressed throughout school.

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So that's gonna be a big change

that needs to happen because again,

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a lot of people, the other reason

they don't care is 'cause they're

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not informed, they're not educated.

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Dave: yeah.

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Jerremy: question I get the most on

stage or when I do, presentations

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anywhere in the world, is why

aren't we teaching this in school?

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Same thing in Australia.

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And here I am in Australia right now, it's

8:00 AM on Tuesday and I'm in the future.

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Yeah, I'm in the future and.

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It's the same down here.

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And my answer is always

because they don't know.

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The teachers don't know.

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The board of directors don't know the

people that are creating all the policies.

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They don't know how it works, so they're

not gonna teach it 'cause they don't know.

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And it's not a conspiracy theory, it's

just simply the education's not there.

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So I, yeah man, this is

gonna be a big part of it.

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This is gonna be a absolute

100% inclusion into our key.

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Determining metrics of the education

reform into schools and what

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we're having big, deep, powerful,

meaningful conversations about

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Dave: So

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Jerremy: do you think it's Oh, good.

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Dave: in high school, did you have a

student government or model UN or any

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of those sort of government, like I, had

not only student government and Model un,

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we also had a requirement to graduate,

which was some sort of community.

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Something like we, we had to

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Jerremy: Yeah,

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Dave: I

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Jerremy: that'd be so cool.

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Dave: In the community doing something.

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Some sort of volunteer work.

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Jerremy: Yeah, we, I had to do that.

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I had to do that for a scholarship.

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The community service thing and the

voting or the, like the elections,

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whatever, was very flimsy.

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It wasn't.

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Really talked about anywhere.

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Again, there wasn't a process for it.

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Like you just walked around and people

were like, you should vote for me.

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And I'm like, for what?

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What are you doing?

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And there was, there was

no interaction with it.

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It wasn't this thing for people to

be aware of and to educated by and to

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have conversations about and around.

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And I think that's something

that could easily be shifted.

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Model you in.

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Dave: Right

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Jerremy: No.

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I didn't do anything.

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No.

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Nah, nothing about Model U in anywhere.

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Dave: in this whole voting thing.

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didn't talk about the things that

affect the voting campaign finance,

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which I think is its own thing.

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The role of ai.

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We touched on it a little bit, like

we're in this post reality, there's a

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ton of money flooding in you can buy

your way to your par pardon these days,

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like it's gotten more pay to play.

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I appreciated that we just

focused on voting on this.

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Granted, it was a little bit

more difficult to program as our

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listeners can gather from like the

seven weeks that we spent on this.

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Those things are like intrinsically

linked, like campaign finance

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and ai and the rest of it.

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Do you think those are more important,

less important as important?

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Not, i'm seeing them as yeah,

those are, those might be more

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important than voting but maybe not.

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I don't know.

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Jerremy: I would love to explore them.

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I think these are definitely topics

that we should dive deep into

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Figure out more and more how it's

structured and how it works now and how

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much of an impact it really does have.

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And yeah, the campaign finance

part is just, I cannot wait to buy.

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I cannot wait to bite into that apple.

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so what, so if I, if our guest had

to vote on the next topic what topic

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or topics would they be voting on?

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Dave: Oh, we have heard your votes

and we are going on guns and guns.

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Jerremy: Oh, shoot.

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We're talking gun control, dude.

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Dave: I wanna frame it a

little bit differently.

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Jerremy: How are we framing it?

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Dave: I, so I've been spending the day

like researching this because, I've,

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I don't know, I don't know much about

guns and gun control and gun guns this,

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gun's that, But what was interesting that

came up in the research my, AI research

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overlords, was that it was very much,

centered on gun control and gun laws

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and like the definition, even though I'd

said, and all the prompts, and what I

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really wanted was I wanted it nonpartisan.

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I wanted it, balanced and I

want this, that, and the other.

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The very basic thing that it starts with

is that more that gun, that guns are

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a problem and that they need to have

more laws and controls and regulations

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in order to solve this problem.

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I'm like, okay I hear you.

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That's something I've heard most

of my life anyways, but I also

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have heard from gun advocates

saying that's a bunch of hooey.

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Like this is the most thing that

we have in the United States and.

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We're not seeing any big differences here.

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Fair.

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So I actually started reading the

research that I got back from all

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the ai, and this is what it said.

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It, it did all of the gun control,

gun this gun that gun this.

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At the, in right in the middle of it,

it said, oh, and by the way, of the

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quote unquote gun violence in the United

States, are people using guns for suicide?

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I'm like,

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Huh,

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Jerremy: bro.

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That's crazy.

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Dave: and I'm like, okay, how much?

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58%.

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I'm like, what?

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So we have an enormous problem

with guns in the United States,

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and the biggest thing is suicide.

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using

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Jerremy: Wow.

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Dave: So if you are a.

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If you are a man in the

United States and you

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You are doing it with a

gun and it is an epidemic.

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Jerremy: Wow.

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It's terrible.

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Dave: So that, that restarted my

research into this because I, we

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can't on one hand say we need all

of this legislation, we need all of

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these controls, we need all of these

laws on one hand, and not one of them

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addresses what people are using guns for.

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Jerremy: Wow, dude.

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Dave: and that's where we started things.

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So that's our next our next topic is guns.

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We're gonna, we're gonna have a

kickoff episode here, coming up next,

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but at the core of it, I want to just

because it, people have very strong

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feelings about guns and I wanna tell

everybody who's listening, I hear you.

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I.

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And I wanna think of this as not

a pro-gun or anti-gun exploration.

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I want to focus this on being pro-human.

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That is going to be the difference that

we are going to be taking on this on this

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journey of talking to advocates, talking

to gun owners, talking to people who have

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been victims of gun violence, talking to

legislators, talking to all the people

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in this discussion, we are gonna focus

in on what's the right thing for humans,

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not what's, not bad guns or good guns,

or good guys with good guns, or, all of

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those tropes and all of those things.

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And, more legislation, less legislation.

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We're gonna focus on really

what's going on in America.

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: 00:15:09

Jerremy: I love that take

because that's who I am.

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: 00:15:12

That's who you are.

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: 00:15:12

And that's why we are doing what we

do, is because we understand that

333

: 00:15:16

politics right now, and for a very long

time has been extremely divisional.

334

: 00:15:20

Although I do realize I'm not going to fix

that entirely, I fully understand that.

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: 00:15:25

What I do realize is that too

many people are saying yes or no.

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: 00:15:28

This is it.

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: 00:15:29

Yes or no, right Guns, no guns.

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: 00:15:32

Whoa.

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: 00:15:32

There's gotta be, there's gotta

be something somewhere else

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: 00:15:38

that we can agree on that brings

both parties together on it.

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: 00:15:42

And you saying.

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: 00:15:44

It's not guns or no guns, it's how

do we keep humans alive longer?

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: 00:15:49

That's the direction that we're gonna

go in, and I absolutely love it.

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: 00:15:54

We're gonna have really great

conversations, and again, for all of our

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: 00:15:57

listeners, this is what I truly believe.

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: 00:16:00

Politics should be about.

347

: 00:16:02

Two people, Dave and myself,

from two totally different

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: 00:16:05

upbringings, two totally different.

349

: 00:16:07

Very different ages, just really

different, but having conversations

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: 00:16:13

and having disagreements, discussing

why we disagree on things, coming

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: 00:16:18

up with informations, and then

taking both of what we disagree on.

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: 00:16:22

And generally, we're

gonna come up to some.

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: 00:16:24

Very reasonable conclusions that bring

both of us closer together as friends,

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: 00:16:29

because I think that's what people

can do when they have conversations.

355

: 00:16:32

They can disagree with people, and

still have really good insight on, wow,

356

: 00:16:36

this is why this person feels this way.

357

: 00:16:37

This is awesome.

358

: 00:16:38

I'm so happy they think this way.

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: 00:16:39

Cool.

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: 00:16:40

And that part is actually really accurate.

361

: 00:16:41

I really like that.

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: 00:16:42

I'm gonna take that into consideration

further and I'm gonna live my life better

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: 00:16:46

because you gave me more information.

364

: 00:16:47

That's what politics is, man.

365

: 00:16:49

It shouldn't be this division of

he's right, she's wrong, she's right.

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: 00:16:53

He, it shouldn't be that way.

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: 00:16:55

We have too much division, man.

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: 00:16:57

Again, I think that's also.

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: 00:16:58

Something that education solves and having

our listeners go through this journey with

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: 00:17:03

us of not only listening but educating

ourselves and themselves on these topics

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: 00:17:09

is gonna be truly mind blowing, and I

cannot wait for everyone to tap into

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: 00:17:15

what Dave and I have on the dockets

for you, for the pro-human discussion.