Dave Savage is doing such an incredible service to the mortgage industry with his work, and I was fortunate to get to spend some time...

American's a really great at making money. We are the most efficient nation on the planet in turning an hour into productivity that...

There are times to rent, but only in short term time frames. Over time the average person is making income that is keeping pace with...

When interest rates rise, it puts pressure on things that require borrowing (leverage) and there is nothing bigger in that category than...

I bought my dog, so I get to name it whatever I want. Her name is Lucy if you are curious. Who gets to name our economy a 'Recession'?...

If you look at how we value a stock - there is book value (cash, equipment and machinery, any real estate, inventory, etc.) plus revenues...

Ray Dalio - the founder of Bridgewater Capital say that with stocks down over 20% and bonds falling as well, the market is difficult, but...

The GenZ crowd is excited and optimistic about money. It's interesting to see how others define wealth, and wealth has so much and so...

In one picture, think of these colored blocks as the building blocks of our entire financial global world. Each block represents the...

Let's face it, real estate is the 'gold standard'. If you have assets, you've probably got real estate. Why? Because as Maslow said...

My Objectives: /Post regularly and concisely... and /Simplify real estate, lending and financial concepts... to /Promote greater clarity...

I shared a post on Inflation and Borrow recently that has garnered many questions. A few people asked if inflation would come back down...

Earnest Hemingway was interviewed about his successes and his failures - including his ultimate bankruptcy after being such a successful...

I believe housing is going to adjust and 'cool off' but that doesn't mean 2008 style cooling off, that means cooling down from 20% growth...

It depends... on a lot of things. If Tesla's were $100, everyone would drive them. When things are cheaper people get more interested...

when stocks go down, people get scared about their financial future

Why manage liabilities? Because there is more money there to be managed in Real Estate than there are Equities. The majority of real...

What do you do if you are the FED and you want to lower inflation... you have to get people to stop buying so much stuff. Option 1: ...

When rates go up, it drives affordability down. According to a recent John Burns article, 18M people that were looking to buy have been...

This video is something I watched when I felt my problems were too big to handle. (aka - 2007-2008 business cycle). This old but...

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

Do interest rates start to come back down, or do house prices start to come back down? Either way, you can't have you cake and eat it too!...

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...