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The question that i continually hear in this moment is housing prices tank due to the fact that as interest rates rise, fewer people will be able to afford those higher priced homes. There is no historic correlation between the two. When we enter a recession, it will feel very different than the last because home prices are likely to remain strong. The amount of credit car debt that the average american household is shouldering is rising at an incredibly rapid rate. And joe, this goes to the point that you made about sumer credit. We are potentially heading for a consumer credit bubble.
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