james freeman you have a question for mr. hogan. >> yes. thanks.to tap into the home equity, do you recommend it for people looking to pay for college for their kids or no? >> no, not really. i want people to save up, get scholarships and grants but don't tap into your equity. according to this study, 44% were tapping into it to be able to consolidate den debt and 31%e tapping into it for education expenses. we need to slow down. we don't want to move debt around, consolidate, all of that, not at all, i want people to attack debt, get it out of their life. school, higher education is available, there are ways to do it without going into debt and without robbing yourself of equity in your home. dagen: you're asking me to make a lifestyle change. if you get used to spending a certain amount of money, going out to eat a certain number of times, that's a tall order. >> it is, dagen. you're right, it's about lifestyle. it's about choices. i want people to learn from my mistakes. i did home equity loans. i did that thing years ago. that's why i'm guiding