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The baby boomers, who attended college with nominal state tuition levels, gave tax cuts for themselves leading to massive college tuition increases which insured that their children, the baby boom echo, came out of college with record student debt. As of 2021, California millennials had the lowest homeownership rate of any state in the nation, at only 30%, while the nationwide average for millennials is 43% homeownership. Fn 1 & Exhibit I. A primary cause of this underperformance is the reluctance of our baby boomer voters to accept additional housing for anyone including their own children. The consequences of the artificially high California housing prices for the millennial generation have been later marriage, fewer children, and a lower quality of life than their parents at a comparable age. As the millennials become the dominant voting group, they have the opportunity to correct the disastrous California housing policies of which they are the primary victims. Fn 2. Summary First, as to the causes of the RHNA catastrophe, our hypothesis is that with the 2014- 2022 RHNA Cycle, the State Housing and Community Development Dept. (HCD) has focused on rent and price controls on new construction as the primary means to address housing affordability. The rent and price controls are implemented primarily through inclusionary zoning — a practice by which a builder is required to set aside a prescribed percentage (5%, 10%, 15%, 20%, 25%, or even higher) of all new housing production for in perpetuity rent controls. In effect, this brings the severe supply crimping impacts of rent controls to housing production, while only a tiny percentage of actual rent controlled housing units are produced. E.g. 15% of 2% per year of the housing units in a city growing at 2% a year is only a 0.3% per year increase in the proportion of rent controlled units, while the resulting housing scarcity causes market rate housing prices to spin out of control. Second, this article suggests local housing policies which could significantly reduce local housing prices, consistent with State Housing Law and regulations. The key is to base inclusionary requirements for low and moderate income housing on unit size (rather than rent controls). This is how to get to housing that is affordable by design rather than by subsidy. The housing market can and will produce small units in quantity — quantities sufficient to drive the price of small market rate units down to prices which the millennial generation can afford. The same goes for market rate single family: there is a huge unmet market for 1500 sq. ft. single family homes, but our regulatory schemes incentivize construction of 3500 sq. ft. McMansions, partly to cover the cost burden of the inclusionary rent controls. 2