Remember the day I sat my 25-year-old daughter down to have the talk—not about the birds and the bees, but about the even more bewildering world of first-time homeownership? Well, that's just the tip of the iceberg in our latest episode where we peel back the layers of buying your first home with a veteran homeowner who took the leap in the mid-'90s. Together, we candidly traverse the emotional landscape, from the initial thrill of saving for a deposit to the sobering aftermath of mortgage assessments and the realities of life with a new set of keys in hand. Our guest's insights bridge the generational divide, offering a rare comparison of past and present challenges in the housing market. We expose the daunting fiscal expectations set by banks, dissecting income multipliers and interest rates that often leave hopeful buyers in the lurch. The conversation takes a personal turn as I reflect on the potential heartache of being priced out of one's own hometown, a sentiment that resonates deeply with families today. Join us for an unvarnished look at the first-time home buying experience, where dreams meet budgets and the journey is anything but predictable.