Miscellaneous
But those are the big three. Some things are even getting cheaper or better, so that's obviously media and entertainment, clothing, electronics, cars, food for the most part. Prices have been fairly stable, and this is even true post-bail-out when we printed four trillion dollars for the banks. There was that massive inflation constrained and felt in various destructive ways. So education is two and a half times more expensive than it was when I was growing up. It's because colleges have added new administrative layers and it has passed the cost on the parents. And then parents felt like they had no choice but to pay it. So then they turn to the government. Government says, “Here’s the loans!” So now we're up to $1.6 trillion in school loans because there's just no competitive pressure on these colleges. Healthcare is similar. Why the healthcare costs keep going up and up to the sky is because you have private insurance carriers: their business model is like: I'm going to charge you more this year. The employers have no choice but to pay. They eat it. You make it up by not hiring people and turning everyone into temp, gig, and contractors so you don’t have to provide benefits. If you're the consumer of healthcare, you can't shop around. The first thing is that the worst landlord jacking up the rent won’t be able to charge you $1000/month more, it doesn’t make sense. The most extreme landlord could try to get some fraction of it: let's call it $300. Like I'm up a thousand bucks a month. You would do like anyone else would do, which is you’ll be like: “What are my options?” That's one reason why all these other markets have remained relatively stable prices: because it's very, very competitive. Housing is competitive, but it’s getting constrained by the fact that you have essentially like NIMBY (Not In My Backyard) regulations that are keeping people from developing affordable housing, and you have limited housing stock available, particularly in robust economic areas that people feel like they need to live in, to access certain jobs.So the first thing you do as if they say ham to stick it to you and you say all right what else is out there and you would see if there are other reasonable landlords out there and if you are another landlord you be like maybe I'll get a good tenant landlord okay I've got a thousand bucks a month maybe I can enlist like a friend of mine together we have like two thousand a bee with a few family members got $3,000 and then maybe it makes more sense to find some picture of her someplace but the house and then try and get get out from under the thumb of these landlords and is not contingent upon my living next to where we all work it actually makes us much more mobile and dynamic and able to make better adjustments this actually makes it harder to exploit it not easier to take it to you is it's like hey I got a thousand bucks a month it's like if you stick it to me too bad like we can actually adjust and adapt so so that's the short is like trying to take it to someone yes are you now more able to adjust and adapt in like responding like not being voided also yes Are there specific issues around housing Supply that we should try and help with like create more incentives for affordable housing development in such a big fan of things like like Innovations in communal housing and ended this could be like that guy in me but I really like the smaller apartment Footprints in like that you know that the urban stuff like I've been in one of the like a container container turn into a house like that they're like rousing baby I like that stuff too but we we say you don't really help young kids as if you were like in an in a place where you cook a meal once a week and then other people cook a meal once a week and then I'll get out right now a lot of it is that the financial incentives all Hue in One Direction which is I'm going to make the nicest apartments for your bees that I possibl