In this “Kim on a Whim,” Kim takes aim at Trump’s floated idea of 50-year mortgages, calling it “a terrible idea” that traps buyers in decades of debt with little equity. She and Marc agree with Dave Ramsey’s blistering takedown, arguing such loans solve nothing in the housing crunch. The pair dig into affordability challenges, California’s rebuilding woes, and the danger of repeating pre-2008 lending mistakes. The segment wraps with talk of inflated home prices, younger buyers’ unrealistic expectations, and a reminder that history has seen tough housing cycles before — and survived them.

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