Topic: Ratchet

The concept of "ratcheting" in the real estate market—buying a small property and trading up as value increases—is discussed as a lost path for millennials. The hosts advise young workers to prioritize saving for a down payment by cutting discretionary spending on iPhones and restaurants to enter the property ladder.

A large group of listeners is knighted following the "donation palooza," including Sir Big D and Sir Plus of the Consumer. Peerage upgrades are announced for Sir Roadwolf and Sir Snoops Magoo. The segment concludes with a joke about Leonardo da Vinci inventing the "ratchet," which the hosts humorously link to S&M dungeons.