Always anxious to impart their vast knowledge about everything that matters to their millions of listeners, Adam and Jeff turn their attention to the Federal Reserve and its repeated insistence on flooding the economy with dollar bills in order to prop up asset prices and, purely coincidentally, the fortunes of the poor, starving 1 percenters--who might otherwise have to sell their megayachts or fifth summer houses. They also talk about whether a house can be considered an investment or a money pit or both. Adam suggests that prospective condo-buyers may want to buy a unit second-hand because developers nowadays require a down payment of half the purchase price with delivery to take place in two or three years. The problems of developers (another disadvantaged group needing a fund-raising telethon) are also considered because many of them purchased properties before COVID when interest rates were lower and occupancy rates were higher. Both Adam and Jeff are against "crony capitalism" because they do not travel in the same circles as those people they need to meet in order to be crony capitalists. The discussion then switches to a comparison of people who are incompetent and typically think they know more than they know and those who are competent who say that they know less than they know. As members of the former group, Adam and Jeff have no concerns about lacking competence in any subject, which is a refreshing perspective in which no apologies are made for any intellectual shortcomings.