Episode 342

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Published on:

30th Jun 2026

The Housing Affordability Crisis Just Became Political Theater

In this episode of The Higher Standard, Chris, Saied, and Rajeil break down how America’s housing affordability crisis got dragged into political theater. A bipartisan housing bill meant to address supply, zoning, institutional buyers, and long-term affordability suddenly became leverage in a fight over election legislation... but the real problem runs much deeper than Washington’s latest circus. Mortgage rates are still too high, home prices are still out of reach, wages have not kept up, and millions of Americans are being priced out before they ever get a chance to save for a down payment. The guys unpack why “more supply” alone will not fix housing, why lower rates may help buyers but protect current homeowners, and why the affordability crisis is becoming one of the biggest economic and political battles in America.

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🔗 Resources:

President Trump: "I said I'm not signing the housing bill. I want to see what happens with SAVE." (CSPAN via X)

They…”want a lot of communists to come in.” (CBS News via X)

Democrats helped pass the biggest US housing package in over 30 years. (Senate Democrats via X)

Speaker Johns proposes forcing the Save America Act into reconciliation package (Eric Daugherty via X)

Senator Schumer on Trump cancelling housing bill (CSPAN via X)

⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

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About the Podcast

The Higher Standard
This isn’t a different standard, it’s the higher standard.
Welcome to the Higher Standard Podcast, where we give you ultra-premium, unfiltered truth when it comes to building your wealth and curating the lifestyle of your dreams. Your hosts; Chris Naghibi and Saied Omar here to help you distill the immense amount of information and disinformation out there on the interwebs and give you the opportunity to choose a higher standard for yourself. Sit back, relax your mind and get ready for a different kind of podcast where we elevate your baseline with crispy high-resolution audio. This isn't a different standard. It's the higher standard.

About your host

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Christopher Naghibi

Christopher M. Naghibi is the host and founder of The Higher Standard podcast — a rapidly growing media platform delivering unfiltered financial literacy, real-world entrepreneurship lessons and economic commentary for the modern era.

After nearly two decades in banking, including his most recent role as Executive Vice President and Chief Operating Officer of First Foundation Bank (NYSE: FFWM), Christopher stepped away from corporate life to build a brand rooted in truth, transparency, and modern money insights. While at First Foundation, he had executive oversight of credit, product development, depository services, retail banking, loan servicing, and commercial operations. His leadership helped scale the bank’s presence in multiple national markets from $0 to over $13 billion.

Christopher is a licensed attorney, real estate broker, and general building contractor (Class B), and he brings a rare blend of legal, operational and real estate expertise to everything he does. His early career spanned diverse lending platforms, including multifamily, commercial, private banking, and middle market lending — holding key roles at Impac Commercial Capital Corporation, U.S. Financial Services & Residential Realty, and First Fidelity Funding.

In addition to his media work, Christopher is the CEO of Black Crown Inc. and Black Crown Law APC, which oversee his private holdings and legal affairs.

He holds a Juris Doctorate from Trinity Law School, an MBA from American Heritage University, and two bachelor degrees. He is also a graduate of the Yale School of Management’s Global Executive Leadership Program.

A published author and sought-after speaker (unless it’s his son’s birthday), Christopher continues to advocate for financial empowerment. He’s worked pro bono with families in need, helped craft affordable housing programs through Habitat for Humanity, and was a founding board member of She Built This City — helping spark interest in construction and trades for women of all ages.