The Consumer Balance Sheet: 25% of Total Assets = House (keep the word Home out of your vocabulary when talking about financial...

Inflation drives house values up, and if income is keeping pace, most of us are happy. When income stay relatively flat - as you can see...

Great resource to visualize the dynamics of housing affordability... https://dqydj.com/historical-home-affordability/

Housing Prices - YOY change in the S&P CoreLogic Case-Shiller Home Prices. Inflation (driven by low rates and high demand + low...

Talking to one of our CLAs recently we discussed the speed at which rates have moved up. Researching it further - I was surprised to see...

Thought experiment - You live on an island with a fixed number of people, goods, and services. Every year a plane flies over the island...

"Inflation feels like paying interest on money you didn't borrow." Todd Ballenger

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...

We talk about Safety, Liquidity and Return as the 3-legged stool of investing. CASH is a version of sitting on the sidelines with your...

Things move in cycles, and one of my favorite Macro econ gurus is Marco 42 - Darius Dale. He has studied what works well in each market...

The market moves in cycles, rates move in cycles, the sun and moon move in cycles... Knowing where you are in the cycle is key.

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...

Wonderful look at what's happening right now with the financial world, and the financial world does impact just about everything we do...

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...

When you invest, you are used to seeing a chart like this - this shows investments returns since 1926. Note the reason we invest in...

NIFE has released new consumer financial education. Aren't you a consumer? Click and take the PIN/FIN Challenge to see how you are doing...

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...