i was raised in-- when scranton where i was born in my early years raised when scanton went in termshe economy, we moved down to a little place called claymont delaware where my dad started off as a kid and we couldn't afford anything we lived in a duplex called brookview apartments which became public housing years later and my dad kept trying to figure out how to get the down payment to get the first home. well we rentedndsaved, he saved and we were able to buy a three bedroom home and new development because of these areas billed 40 50 homes # and a shop, and we had four kids and a grandpop living with us. and my dad said the way you build equity in your home is the way you build wealth. when you build enough equity in your home then you have enough money to borrow to get something new to move and so on and that's how it everybody in the middle class makes it through equity in their home. well look it works. what we've increase housing supply and keep costs down in the future. first for home owners inflation keeps coming down and it's predicted to d mortgages are coming down as we