Skippy forgets to stay in his lane, and begins to spew "wisdom" about genetics. Then Doogles provides his usual dose of happiness by centering the conversation around mounting consumer debt as demonstrated by the Nintendo game Animal Crossing. Skippy pulls out some excellent listener mail, covering a recent New York Times article on the California housing crisis called "Where the Suburbs End" (great read), highlighting how people want to solve the housing crisis so long as it's NIMBY (Not In My BackYard). This leads to a conversation about shadow inflation that's raising prices by decreasing the quality of goods and services. Going back to California, Doogles hits on more listener mail about hedge funds profiting off of PG&E stock. The episode wraps with Doogles getting Skippy fired up through a January 2021 blog post called "Bitcoin is a Ponzi," and with an overview of a recent economics paper showing that increasing equity cash flows has an impact on prices.