also joining us, henry cisneros, former hud secretary under president clinton. >> let's talk about housing. it has been said that owning a home is the american dream. henry: i i believe that. >> it has also been said that virginia a good investment in the long-term. let's start with the american dream. is owning a house still the american dream? henry: it is a american dream. even the mill lethal weapon yells late to a decision to own millennials -- still believe it is the goal to own a home. it is for the long haul, good economics. most americans, the sum total of their net worth is the equity they have in their home. it is one of the instruments by which we move people into the middle class. we can't afford to give up our homeownership. people are buying later. careers are more mobile. people think they can't afford to sink down into a house because they may be in another city a year from now, but i think home ownership is still very important in the big picture. >> i have sat down with clients and we have walked them through the numbers showing them the low interest rates, the differenc