 You know, there's about to be this giant supposed wealth transfer between baby boomers and people who are younger than them. I'm 38 years old. I decided in 2008, I sat there and I thought to myself, as a 22-year-old man, I realized that I would never get to own a home, that I would probably never get to get married, that I would never be somebody's father. Because of loans that I took out, student loans that I took out when I was 18 years old.