 regardless of the reason yeah oh house prices are high daycare is high inflation wages haven't got i don't care a hundred percent of the time that you spend more than you make regardless of the reason it's not sustainable and that's not my fault right it's not your fault and also what i hear you saying is like maybe the narrative is a little simplified it's like oh gen z thinks dave ramsey isn't realistic you're saying no people have been saying i'm not realistic since like