A speaker who changed his or her phrasing from "when an individual eventually gets enough money for a down payment on a house, he needs to ask himself some very serious questions" to "when you eventually get enough money for a down payment on a house, you need to ask yourself some very serious questions" has learned the value of ____
this speaker has learned the value of using personal pronouns. Pronouns in English include I, You, he, she, it, we, they, me, him, her, us, and them. This often points out the contrast in people as in their gender, number or case.
