Well, the Baby Boomers give those profits to their Baby Boomer buddies in the form of reverse mortgages and HELOCs. So, in effect, Nubianna (Generation X) is paying the Baby Boomers to rip her off. So, do you think I'm lying? Dude, I have Certificates in Real Estate dealings with national associations. But don't take my word. Research reverse mortgages for yourself. You can thank me later.