On the May 19, 2026 episode of The Ramsey Show, a listener named Owen from upstate New York wrote in with a complaint that landed somewhere between a financial question and a generational grievance.
He earns $124,000 a year across two jobs, drives a used car, went to a cheap in-state school, and still cannot buy a house
His parents, meanwhile, own a $650,000 home. His question to Dave Ramsey and Rachel Cruze: “How can I possibly afford a home and how do I stop being this angry about being stolen from by the boomer generation?” Ramsey’s reaction was blunt. “He’s mad at the entire boomer generation. How dare you?” Cruze followed: “How dare you own a home?” The stakes for any reader in Owen’s position are concrete.
Channel the frustration into a savings plan and you buy a house in a few years. Channel it into resentment and you are still renting in 2030 while rates, prices, and property taxes keep moving. The verdict: Ramsey is mostly right, and the math proves it Owen earns nearly double the national per capita disposable income of $68,617.