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It's great to be with you here on the Clark Howard show, where our mission is to serve you with advice and information that empowers you to make better financial decisions in your life.

On today's show, I'm going to talk about new developments with the cruise industry that will be friendly to your wallet after I told you earlier this year that cruise rates were staying stubbornly high.

I've got an update for you.

Also, if you're a longtime listener or a viewer, you know how obsessed I am

with us reducing the cost of housing construction in the United States, and people keep saying,

where, when, how. I'm going to give you one real life example for one of the most difficult places to build affordable housing in the United States.

If it can work there, it can work anywhere in the U.S. I'll share it with you later.

So we and our family were not cruise passengers, but our now 19-year-old son became obsessed with cruises

when he was in kindergarten or first grade, whenever the 100th anniversary of the Titanic sinking was.

And so now we've been on 25 cruises. So I understand

them really well, understand the costs, how to save on them, and all the rest. And I was really

surprised earlier this year that cruise lines were reporting that their bookings

were not declining at all. They were having no price resistance in the marketplace,

even though other discretionary purchases in the travel industry and outside the travel industry

...