Thanks for taking time out of your day to join us here on the Clark Howard Show where

it's about you and your wallet.

I want you to learn ideas to me so that you can keep more of what you make.

Clark.com's our main website and you can follow me at Facebook.com slash Clark Howard.

Coming up later this hour, food.

I want to tell you that 2018 is going to be the best year for your food budget, perhaps

ever in recorded American history.

I'll tell you the factors leading to that and how you're going to be able to most take

advantage of that with your grocery and food dollar.

I want to talk about the problem that first time home buyers are facing in the marketplace.

And I read a CNBC report about how the housing market has divided into basically three quadrants

that you've got the lower priced and entry level homes, mid price homes and high end homes.

The high end market in spite of the fact that rich people have most of their wealth from

stock market gains and the stock market has been hitting records day after day after day.

That the rich people market for housing is overbuilt.

Developers look at the cost of land and they're like, well, if I had to pay that much for

the land, I can probably turn a much bigger profit building a giant house on that, then

building more affordable houses on that property.

And there's been such a tilt like that around the country that the supply at the high end

is very high.

And thus the appreciation and values at the high end in most of the country is from not

keeping up with inflation to pretty much right at inflation in most markets in the country.

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