@melissadorman: Two numbers explain the whole housing crisis. The median family hands 32% of its income to the mortgage on a median-priced home. A family earning half the median would need 65%. That's not a budgeting problem, that's a wall. You can't fix a structural wall with a slightly better rate. You change the structure: seller-carried financing where price, rate, and payment shape get designed at the table. Same house, completely different math. I run it live on my free class. Comment MASTERCLASS. 🖤 #housingcrisis #affordability #sellerfinancing #consciouswealth