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Stimulus and Disposable Income
This is something I've been talking about for weeks - the stimulus has worn off, and consumers are seeing their disposable income below...
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Middle Class Aggregate Income
One of the biggest problems facing our society - all great societies end when the 'haves' and 'have nots' get too far apart. This has...
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Assets and Liabilities
Update of the Borrow Smart University quarterly graphic on Assets/Liabilities - this shows you a rough estimate of the balances of all...
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Attitudes Toward Personal Finance
Interesting survey of consumers around key personal finance areas... 39% feel pretty good, but the rest fall into a variety of...
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Impact of Interest Rates on Future Home Values
Here's a simple way to see the impact of interest rates on future home values. In January of this year, $1,000 per month would buy you...
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Consumer Credit and Personal Disposable Income
We have had four quarters in a row where real disposable income has gone down... and the only month in was positive in the last six...
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Growth in Equity and Loan to Value
We shared the incredible growth of equity in US Households... caused by price appreciation (and a possibly misguided effort to pay off...
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Stocks vs. Real Estate
Inflation-adjusted returns on Private Real Estate (homes) versus S&P 500 since around 1964. In another post we were talking about...
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Liability Asset Gap and REITs
We teach about LAG - Liability Asset Gap. One idea we share is putting less investment inside your house (private real estate) and...
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Households Debt and Cash
This is encouraging and a little surprising. The first time since 1980's that the US population has more cash than debt. There were...
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Everything Compounds...
Let's take a look at how compounding works based on the interest rate. Compounding works for or against you...
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Long-term: Lower Real Borrowing Costs, Higher House Prices
The Liability Advisors focuses on cash and liabilities as they are the key basis for wealth creation. If you can't manage your cash and...
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Cash and Liability Mastery
Made it easier to remember: http://calmeducation.com/ Come take our 9 part class on Financial Literacy.
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More Cash and Liability Mastery
Share this with your employer, and ask them to reach out to us for an event in your office.
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Today's Financial Shocks
Think about what's happened in the last 18 months: Oil went from -37.63 a barrel to over $115 a barrel Unemployment went from 14.7% to...
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Inflation is the Ultimate Tax
Inflation is the ultimate tax. It impacts everyone, but it has a greater impact on some. Housing (rent) is predicted to increase more...
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House Values and Monthly PITI Payments
Since 1990, house values have gone up a great deal. What have monthly PITI payments done during that same time period? From 1990 the...
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What to Know About Borrowing
Reminder - all borrowing is simply your money from the future that you choose to spend now. When you borrow to buy a depreciating asset -...
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The Everything Debt Bubble
The everything debt bubble? I can see how the public debt increased so rapidly in 2020 from the COVID-related payments, but why did...
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Using Credit Card Debt to Make Ends Meet
This is telling... disposable income after the covid stimulus is drifting down while consumer credit is going up - this means consumers...
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Good/Bad Time to Buy and Sell a Home
"Good time, bad times, you know we've had our share..." Led Zeppelin was probably not referencing this graph, but one key obstacle right...
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How I Feel About Liability Management
This is how I feel about Liability Management: "You may remember the story Charles Osgood once told about four people named Everybody,...
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Housing Wealth Transfer
We are +14% above the 2006 peak in housing prices on an inflation-adjusted basis (meaning in real wealth terms). From a nominal wealth...
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Realtor Spike during The Great Recession?
Hmmmmmmmm............. too many Realtors, might mean we also have too many loan officers. Usually spikes in employment are highest before...
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