text:  pay for the private mortgage insurance and stuff. And, again, at no time in history has an 18-year-old bought a good house. In Long Island. That's fair. I mean, unless they hit the lottery or something. So it takes a little while to get out there, get your career moving, get your income moving, and maybe when you're 30 you buy something on Long Island because Long Island's wonderful, but it's one of the most expensive real estate markets in the world.