This is the Ramsey Call of the Day, part of the Ramsey Network.

Well, Rachel, the housing market has been a huge topic of discussion, and millennials and Gen Z are feeling real defeated right now.

If you're a renter out there and you're going, I want to own a home one day.

And we got this article that was interesting because we've talked about homeownership as a part of your wealth building strategy.

And USA Today published this headline, why it pays to buy a house. Homeowners become 40 times wealthier than renters in the past decade.

And so it goes on to say low-income homeowners,

those earning no greater than 80% of the median income, built 98,900 in wealth, while the middle

income and upper income, they accumulated 122 to 150 grand in wealth. So that's a pretty shocking

number. That's a big gap between those low-income to high grand in wealth. So that's a pretty shocking number.

That's a big gap between those low income to high income homeowners.

And it says over a long period of time, homeownership is a solid path towards building wealth.

And it works in two ways.

First, you have the advantage of home price appreciation.

And second, it forces homeowners to save from monthly mortgage payments,

which renters don't have. So I have a lot of, this is great for those that are homeowners.

Yeah. They're like, yes, this is awesome. This is great. And it was a huge part of what helped me become a net worth millionaire is home appreciation. Yep. We live in one of the most expensive

areas of the nation. I think it's the top 11 county or something in the country.

And home ownership, that home appreciation really adds to your net worth.

And so when you're sitting out there renting, it hurts to watch all of that happen.

And now not only are you seeing your friends become wealthy, but you're priced out.

That's right.

So what do you tell people when they go, Rachel, I really want to

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