Had a nice conversation with Dave Savage for his project to support loan officers in this unique environment... I wanted to share some...

There is something to be said for the quality of life we have as American citizens. You can be a millionaire in many countries and still...

When interest rates go up, and we have inflation - people can afford less. New listings are dropping their list prices for the first...

As a macro tourist - think of the US Balance Sheet in these terms: RED LINE = Cash Flow from the gross domestic product (all the...

This is a fascinating way to think about valuation. If the entire stock market was worth $100,000 and you were the only investor - and...

Inflation is so painful, but we often overlook the positive impact of inflation on borrowing. The government understands this and...

There are as many ways to save as there are ideas about money. Keep it simple - find something you know about and find interesting and...

Great share by John Wakefield @realestatedecoded https://public.tableau.com/views/Case-ShillerCustom_2/RealMMPPC-SHPI1990?:showVizHome=no...

"Some 36% of households taking in nearly four times the median US salary devote nearly all of their income to household expenses". ...

Inflation caused by an easy money policy leads to a cure of inflation with a tighter monetary policy. What’s the expectation? Higher...

Real wealth is the difference between the net growth of your assets and the loss of purchasing power from inflation. If you had $10 in...

Here's a dilemma: Consumers feel now is the worst time to buy real estate. Consumers now feel real estate is the best investment you can...

Don't worry, as soon as we get a shorter Fed Chair rates should start coming back down again... and the market will grow taller!

'How Much Land Does a Man Need?' One of the most profound short stories I've ever read. We use this as part of our What is Enough?...

I think we are just starting into a recession - one that could be more lengthy and difficult. A recipe of two parts low rates (now...

How does this gap get filled? When housing prices rise as quickly as they have over the last 15 years a huge part of the market gets...

A Certified Liability Advisor is going to look at all your liabilities as part of a broad solution. There are two reasons to borrow: ...

This is a solid visual on the cycles of markets...

I was surprised this year that my daughter had to take Personal Finance as a 10th grader. It was required because of new state...

Something to ponder - the highest we've ever been in this 'ratio' was 2006 when the average appreciation was about 55% of the median income.

Consumers are now feeling the rent equivalent increases as landlords start to exercise their ability to offset higher costs in the form...

Another simpler look - we are continuing to grow our borrowing since the last financial recession. Most borrowing is related to the...

Looking at prior bear markets, the sickness that drove the market lower was economic and the medicine was lower interest rates. What...