Freeberg, you think that we should What do you do with the mortgage market. You >> God, it's so difficult. I don't know.>> Do you just basically privatize Freddy and Fanny and let them underwrite. >> I 100% think you got to privatize Freddy and Fanny as a first step. >> And then you have to stop underwriting student debt so that you don't underwrite the $200,000 degrees.>> I believe 100% in ending the federal student loan program. And I think that it will force a restructuring of the of the entire higher ed ...

The theory back in the 90s of how you reduce crime was the the broken windows theory. Yeah. Which is that you get rid of the entry- level crimes and you get rid of the visible manifestations of lawlessness and chaos because when you create an environment in which it appears that those things are tolerated, then you will end up getting more of it.That was a theory in the '90s and absolutely worked. And what you've got in DC is the opposite of it. And I think what President Trump has said is, "Look, first of ...

Homelessness Policy & Solutions - The discussion revolves around the issue of homelessness, particularly concerning individuals addicted to drugs like fentanyl, and whether they should be allowed to live on the streets [1][2] - A proposed solution involves creating treatment centers and mental health facilities, funded by taxpayer dollars, to provide care for those in need and remove them from the streets [4][5] - An alternative approach suggests moving homeless individuals to designated campgrounds if they refuse treatment or mental institutions, especially in cases where their presence disrupts public spaces and threatens safety [9] Legal & Political Considerations - The legality of interventions, such as the National Guard's involvement in addressing homelessness in DC, is acknowledged, even by political figures who may denounce the approach as authoritarian [12][13] - There's a political calculation that cleaning up DC will be popular with residents, suggesting that opposing such measures could be a political trap for Democrats [13][14] - The effectiveness of current policing is questioned, citing the promotion of a DEI officer to chief of police and concerns about the department's functionality [16][17] Community Impact & Safety - Permissive policies towards allowing people to camp on sidewalks have negatively impacted downtown areas, leading to initiatives to relocate homeless populations [9] - The presence of homeless individuals camping outside national monuments is considered the worst possible situation, highlighting concerns about safety and public order [10] - There's an assumption that a significant majority (80-90%) of families living in DC would support measures to end homelessness, even if it involves the National Guard [15][16]

I am Vlad Tennv, the founder of Robin Hood. >> We're talking about Robin Hood. The stock's more than doubled since his last report, while revenue jumped 45% from a year ago.>> It stock surged 180% this year after nearly doubling in 2024. >> Shares of the trading platform now up more than 400% in the last year. >> Glad your presence there speaks volumes.Robin Hood Gold, which hit a record 3.5% million subscribers. Most financial services get worse the more money you have. But we wanted to kind of invert that ...

Societal Trends & Challenges - The percentage of 30-year-olds who are married and homeowners has declined from 50% in the 1950s to 12% currently [1] - Young men may lack social skills, leading to increased online communication and fragile relationships [3] - Pornography consumption is high, with over 50% of 12-year-old boys watching it [5][6] - Dating sites are optimized for user retention rather than relationship formation, contributing to loneliness [7] Economic Factors - Home prices have increased significantly relative to income since 1980, making homeownership unaffordable for many individuals [10] - Stagnant real wage growth, coupled with student loan debt, makes it difficult for young people to start families and achieve financial stability [19] - Government intervention in housing and education through programs like the Federal Home Loan Program and Federal Student Loan Program may have created bubbles of inaffordability [16][17] Generational & Educational Issues - A generation was wrongly advised to pursue university education to avoid job automation, leading to significant debt [22][23][24] - Trade jobs like electricians and plumbers can offer high income and no debt, potentially surpassing the financial well-being of some professionals with advanced degrees [24][25] Mental Health - Major depressive episodes are prevalent among US adults aged 18-25 [13] - Excessive internet use and social media can exacerbate feelings of isolation and inadequacy [15]

Economic Challenges - Housing costs have significantly increased relative to income, posing affordability issues [1] - Student loan debt of $100,000 presents a substantial financial burden for young individuals [1] - Real wage growth has stagnated, except for high-income earners [1] - Low wages combined with high debt levels hinder the ability of younger generations to achieve the American dream [4] Political & Social Implications - The issue of real wage growth is expected to be a key topic in the next election cycle [2] - There is a growing disparity between top earners and minimum wage in the United States compared to other developed countries [3] - Slow job gains were observed in New York City during the first half of 2025 [3] Generational Impact - Previous generations have negatively impacted younger generations due to rising costs of homes and education [1] - Young people are facing difficulties in the job market [4]

What do you do with the mortgage market. God, it's so difficult. I don't know.Do you just basically privatize Freddy and Fanny and let them underwrite. I 100% think you got to privatize Freddy and Fanny as a first step. And then you have to stop underwriting student debt so that you don't underwrite the $200,000 degrees.I believe 100% in ending the federal student loan program. And I think that it will force a restructuring of the entire education system, higher education system in the United States, which ...

There was an entire generation, if not two generations of young men and women who were told that they must, not should, not it's nice to, they must go to university. And these folks took out an enormous amount of financial support to do so. And part of the underlying reason was that they were told and it sounds very credible.Technology is coming and there's going to be so much automation of all of the other kinds of jobs that you may do in a trade school. You should go to university and protect yourself. We ...

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Sometimes traditional stock analysis just let you down. That's how I feel about the stock of Pounder. A billion dollars in quarterly revenue for the first time ever.The stock has just ripped. They have delivered here beyond the expectation. And the expectations were obviously remarkably high.Carb's the kind of guy who kicks you, you know what, and then he gets in your face afterwards and he tells you that he just did that. >> As usual, I've been cautioned to be a little modest about our bombastic numbers. I ...