“The Ramsey Show” host Dave Ramsey joined FOX Business’ Cheryl Casone on the FOX Business In Depth Special<\/a>, “Hitting Home: Rebuilding the Dream,” to break down the financial realities facing first-time buyers and why many are falling behind.<\/p>\n A panel breaks down rising inflation and housing market pressures as the Iran conflict drives up oil prices and economic uncertainty on \u2018FOX Business In Depth: Hitting Home: Rebuilding the Dream.’<\/p>\n Ramsey pointed to a combination of record-high consumer debt<\/a> and shifting economic conditions that have eroded buying power across younger generations.<\/p>\n “I’m afraid I have to tell you the truth. . . . Corporate America has screwed you,” Ramsey said.\u00a0<\/p>\n “Car debt is at an all-time high. . . . Student loan debt is at an all-time high. . . . And, of course, credit card debt . . . is at a all-time high.”<\/p>\n For sale sign in front of a house in Houston, Texas. (Kirk Sides\/Houston Chronicle \/ Getty Images)<\/p>\n MIAMI OVERTAKES LOS ANGELES AND NEW YORK AS WORLD’S RISKIEST HOUSING MARKET FOR BUBBLE RISK<\/a><\/p>\n Those pressures, he explained, are leaving many without the financial flexibility to enter the housing market,<\/a> as disposable income is increasingly consumed by monthly obligations.<\/p>\n “When you’re drowning in personal debt, you can’t afford to buy a freaking house,” Ramsey said.<\/p>\n U.S. Federal Housing Director Bill Pulte discusses Federal Reserve interest rates and home-buying on ‘The Claman Countdown.’<\/p>\n Beyond debt, Ramsey also highlighted the post-pandemic housing surge as a key factor pushing first-time-buyer ages higher, noting that supply shortages and elevated prices continue to weigh on affordability.<\/a><\/p>\n MORTGAGE RATES JUMP TO HIGHEST LEVEL IN OVER 3 MONTHS<\/a><\/p>\n Despite the challenges, Ramsey pushed back on the idea that homeownership is out of reach, arguing that progress is still possible for those willing to aggressively tackle debt<\/a>.<\/p>\n “Our message to Gen Z and to millennials . . . is: clear this debt, get rid of the stupidity, and chop up the cards and work your way through it. . . . Once you do that, you can get there,” Ramsey said.<\/p>\n![\"For](\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2026\/03\/home-for-sale-in-us.png\")
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