Clinton and Dan discuss financial literacy, mortgage rates, and housing market trends. They note that while other provinces like Ontario and BC see housing price declines, Atlantic Canada's property values rise by about 3% annually due to high demand. They highlight the affordability issues, with $29.40/hour needed to live in HRM, equating to around $60,000 annually. They also discuss the impact of new rental units on the market, predicting a rebalancing by 2026. The conversation underscores the need for early financial planning, especially for education and housing.