RealMoney Radio Recap: Pfizer ... Pfft!

"Citi is as fat and as happy as I have ever seen it, with the executives perfectly oblivious to the fact that this financial has underperformed every other major financial institution out there," he said.

Although there's a lot of talk that the company needs to be broken up, it's probably because the bank has done nothing, Cramer went on to say.

"I believe that breakup calls make sense, but not until you have someone at the helm who can make a difference," he said, adding he would prefer to have a CEO who understands how to make the business work before the company is broken up.

Because Prince saved the company from being shut down by Elliot Spitzer, Citi shareholders seem "brain dead and happy."

It looks like he will be there for life, Cramer said, urging listeners to sell Citi and buy something else.

Home Alone

The sellers in the homebuilding industry have been "desperate" to sell their houses and are thus cutting their prices, Cramer said.

Buyers who have been waiting for these price cuts should now be ready to buy, he added.

Homebuilders cannot finance their inventories, so they continue to cut prices until they find buyers, which is what is happening now, Cramer said.

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