When rates go down, buying power goes up. This means if the house prices stay the same - you can buy a bigger house or have a lower...

I am writing a new ebook as part of a series - and that includes this hot topic of inflation. When they say 'sticky' they mean that once...

Interest rate increases are often a sign of market strength... in the past the increases slowed the market, but the market easily...

If you've followed my work, you know that I crossed the balance sheet because I felt I could have a bigger impact on consumers growing...

Just for fun, how did you see your borrowing experience?

We peaked at close to 5% personal savings during the COVID recession, mainly from stimulus payments directly to the consumer. This...

When we talk about housing - the only way buying a house makes you money directly is through appreciation. This appreciation is real,...

We teach that your house is an investment - it has properties that reduce your cost of living indoors over time (like appreciation of...

What story does this graph tell? HINT: Real income goes up over time, Real rents go up over time, what goes down over time? Your real...

For every 1% increase in rates - a buyer loses about $30,000 of buying power. That loss of buying power makes it harder to pay 'up' for...

They asked Willie Sutton, a famous bank robber, 'why do you rob banks?' and his simple response: 'because that's where the money is!' ...

Orange is Case Shiller Home Values Blue is Housing Starts Green is US Population Growth There are more people, and there are less houses,...