 But what are what are your tips for a millennial homebuyer's because it's tough to get that down payment going and you were saying You know a lot of young people have their parents help them Let me tell you two out of three young people under 40 who buy their first home have the help from their parents Don't be feeling ashamed that oh, I can't seem to get the down payment now You need to go to your parents and it takes swallowing of the ego But at least knowing that most purchases in any expensive area happen with the help of the parents At least makes you go at least save your dignity a great proposal for your parents is to ask for the down payment But make them a 50% partner in the appreciation. It's a home over time assuming it appreciates But at least that's a business proposition I'll give you half the profit mom and dad if you give me the down payment now so I can get in the game The problem with real estate is you need to make your first acquisition If it makes you a player at the real estate table when I bought my first studio in hindsight I realized that was my most important purchase that I killed myself to make because then I bought the one bedroom the two Bedroom and then I then I bought the beach house and you need to be able to catch that Appreciation on the way up and you can't do it without the help of your parents unless you you've just discovered some great technology Play and you've gotten rich by the time you're 30 not a lot of people Yeah, if you don't have if your parents aren't in a position to help you I mean there's not they can cosign for a loan you see a lot of kids don't have the credit you could You can you got a tap on mom and dad or rich old aunt or rich old uncle somewhere But it's very hard to get in the game when you're trying to save on your own Especially if you're in a town like New York City or LA or anywhere where income levels are high You can you can assume that it's harder to save