Podcasts about homeownership

In Washington State, 42% of Black households have zero net worth. It's a statistic echoed in Black communities across the nation--including here in Cleveland. The legacy of historical policies like segregation and redlining has impacted both homeownership and opportunities to build generational wealth today. Now, skyrocketing rents and a shrinking housing supply have put homeownership out of reach for many. But what if it doesn't have to be this way?rnrnEmerging in 2021, the Black Home Initiative is a new regional effort based in the Seattle-Tacoma region that seeks to target the racial inequities at the core of the housing ecosystem. The initiative is powered by the Civic Commons through a large network of 122 public, private, philanthropic, and nonprofit institutional partners. Together, they focus on growing the pool of homes for purchase; supporting Black households who want to buy a home and obtain a mortgage; and improving collaboration to create a more efficient and effective ecosystem for Black homeownership.rnrnHow can we work together to grow wealth and build vibrant communities through homeownership? Join us at the City Club as Alesha Washington from The Seattle Foundation leads a conversation with Michael Brown from the Civic Commons on what we can learn from the Black Home Initiative.

992.  This week, Laura reviews how being a homeowner in 2026 allows you to build wealth despite affordability challenges.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if the real threat to America isn't from abroad, but from our own fading belief in the American Dream? Host Lou Diamond sits down with civic entrepreneur, investor, and author Oliver Libby, whose career journey spans government, big business, startups, and philanthropy. Together, they dig deep into the soul of our nation, asking tough questions: Is the American Dream still alive—and what do we need to do to reignite it?Oliver Libby shares the inspiration behind his new book "Strong Floor, No Ceiling," revealing how his unique background—growing up around Nobel Prize-winning scientists and military service—shaped his approach to solving America's most persistent challenges. The conversation covers everything from the essential 'planks' of opportunity (healthcare, education, housing, justice) to the cultural and economic battles over homeownership, the allure and pitfalls of unlimited success, and why redefining our national priorities isn't just possible—it's necessary.Unexpectedly, you'll hear why nearly 75% of Americans today doubt the American Dream, and why restoring faith in it is critical for our future. Whether you're a dreamer, a doer, or just worried about the country's direction, this episode will challenge, inspire, and spark the conversation we all need.Timestamped Overview:00:00-01:12 –Intro Announcer introduces Libby's remarkable career and latest book.01:13-03:25 –Oliver Libby recounts his family legacy, varied career path, and how it informed "Strong Floor, No Ceiling."03:26-05:19 – Is the American Dream still real? Oliver Libby and Lou Diamond dissect its history, promise, and current challenges.05:19-10:22 – What must America fix? Building a 'strong floor,' expanding the 'pie,' and shifting away from zero-sum thinking.10:26-13:27 – Is America still the best place for dreams? Tough love, critical reflection, and what we can learn—and fix.13:32-16:03 – Homeownership, housing crises, and practical solutions to revive core opportunities.16:04-20:21 – The flywheel of innovation and safety: why a 'no ceiling' must coexist with a 'strong floor.'20:21-22:09 – Learning from past policies (even pennies!) and why agency matters in reigniting dreams.22:11-end – Fun Street: movies, music, favorite New York eats, parenting, Star Wars Legos, and more personal insights fromOliver Libby.Listen now and reignite your perspective on what's possible in America.

In this data-packed episode of Yo Quiero Dinero, Jannese sits down with Dr. Marlene Orozco, founder of Stratified Insights and lead researcher behind one of the most comprehensive studies ever conducted on Latina wealth in America. Together, they break down the receipts real numbers, real stories, and real systems that explain why Latinas continue to earn less, save less, and carry more financial responsibility, despite being one of the fastest-growing economic forces in the country.This conversation goes beyond hot takes and dives into the structural barriers, cultural expectations, and systemic inequities shaping Latina wealth today from entrepreneurship and homeownership to caregiving, education, and retirement. If you've ever felt like you're working twice as hard for half the reward… this episode will make you feel seen and fired up.What We Get Into00:00 Why this Latina wealth data matters01:10 Meet Dr. Marlene Orozco04:25 First-gen roots & entrepreneurship09:30 Necessity vs opportunity businesses12:50 The Latina wealth paradox17:45 The 27% pay gap explained23:50 Entrepreneurship as a wealth strategy29:55 Homeownership & credit barriers34:10 Retirement & investment gaps37:45 Financial first responders47:40 The motherhood penalty56:20 Hope, policy & what's nextKey TakeawaysLatinas are not behind because of bad choices — the system is working exactly as designed.Education and entrepreneurship do increase earning potential, but they are not enough without access to capital and policy support.Caregiving, cultural expectations, and family responsibility significantly limit Latinas' ability to save and invest.Homeownership remains a primary wealth strategy, but affordability, credit access, and insurance risks threaten long-term stability.Real change requires structural solutions, not just individual financial literacy.Resources MentionedREPORT - Latina Wealth In America: https://latinoprosperity.org/research,Latino AI Summit: https://tinyurl.com/latinoaisummit2026 Stratefied Insights: https://www.stratifiedinsights.com/ Marlene's LinkedIn: https://www.linkedin.com/in/marlene-orozcoFree Download: New Year Dinero Reset GuideMy private membership: https://courses.yoquierodineropodcast.com/foundersHave a question? Leave me a voicemailBook: Financially Lit by Jannese Torres Hosted on Acast. See acast.com/privacy for more information.

From the Alps to Mallorca, Mélie Dunod's August Collections bring elegance, efficiency and eco-conscious design to co-ownership, making the European holiday home dream much more attainable. The chic co-founder of August chats to Carole Annett about why becoming an entrepreneur was inevitable, what the tick-box is for each property August buys, and why she never asks for preferences or advice on the interior design. Tune in for more.

Summary In this episode of the Be a Smarter Homeowner podcast, hosts Elizabeth Dodson and John Bodrozic discuss the essential steps for first-time homeowners. They cover the importance of understanding how to operate and maintain a home, the significance of regular maintenance, and how to prioritize home projects based on inspections. The conversation also delves into budgeting for homeownership, including the total cost of ownership and the balance between DIY projects and hiring professionals. The hosts emphasize the need for preparation and awareness to navigate the complexities of homeownership successfully. Takeaways Homeownership is a journey that requires understanding and preparation. Knowing how your home operates is crucial for effective management. Regular maintenance can prevent costly repairs in the future. Creating a maintenance calendar helps keep track of necessary tasks. Prioritizing projects based on inspections can save time and money. Understanding the total cost of ownership is essential for budgeting. DIY projects can save money but require time and effort. Home inspections provide a snapshot but do not replace ongoing maintenance. Engaging with neighbors can provide support and resources for home care. Planning and budgeting for home projects is key to successful homeownership.   Sound bites "Knowing how your home operates is crucial." "Planning for home projects is key." "Everything is a trade-off in homeownership."   Chapters 00:40 Welcome to Homeownership 03:36 Understanding Your Home's Operations 06:30 Maintenance and Care for Your Home 12:36 Prioritizing Home Projects 18:46 Managing Home Expenses 24:32 The Total Cost of Homeownership 30:39 Becoming a Smarter Homeowners

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we talk about the takeaways from President Trump's speech in Davos Yesterday. Plus, Robbie sits down with LendingTree's Matt Schulz for a discussion on whether the long-term wealth benefits of owning outweigh short-term cash flow challenges, especially as affordability gaps, regional policies, and rising costs risk reshaping migration, exacerbating inequality, and straining the traditional path to a “starter home.” And we close by reviewing the latest prepayment speed data.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

On this episode of Bounced From The Roadhouse:Special Guests in 4B:Sweden AI MusicRandom FactsPG Insults Fake News Kids Swearing January is financialy stressfulMarry, Kill or Mate - Snowstorms, Wind, Endless RainDelay of home repairs Home ownership us hardThat's a Great QuestionTexas Rescue BJ rescue Cat House FireQuestions? Comments? Leave us a message! 605-343-6161Don't forget to subscribe, leave us a review and some stars Hosted on Acast. See acast.com/privacy for more information.

Watch the full episode on YouTubeIs homeownership still the "American Dream"…or has the math and lifestyle completely changed for younger generations?In this episode of the First Sip Podcast, I'm sitting down with Jarred Smith to have a balanced conversation about whether buying a home still makes sense in today's economy. With rising prices, higher interest rates, and more people prioritizing flexibility, the rent vs buy debate looks very different than it did for previous generations.This is not a sales pitch for buying a home and it's not an argument against renting. It's a real discussion about timing, strategy, and what people are actually optimizing for in this stage of life.We break down:- Why more people are questioning homeownership today- The real tradeoffs between renting and owning- Stability vs flexibility and commitment vs optionality- When buying a home can be a smart move and when it might not be- Why homeownership should be viewed as a strategy, not a milestoneIf you are renting, thinking about buying, or feeling stuck in between, this episode will help you think more clearly about the decision without pressure or hype.Listen through the end and ask yourself one simple question:What am I optimizing for right now?Thank you for listening, and as always...enjoy your first sip!------Join the First Sip community:I'm here to help you make these complicated financial concepts make sense in your own life.  If you're ready to stop playing it safe, and start building a life you actually enjoy, subscribe to the newsletter. Every week I dive deeper into the topics of business, money, and real estate, breaking down the proven systems we'll need to win the long term game.What did you think about this episode?--------------------------------

In this conversation, Nick Ahrens, a seasoned real estate broker, shares valuable insights on navigating the Denver Metro real estate market, particularly for first-time buyers and new investors. He emphasizes the importance of professional guidance, strategic financial planning, and the potential of homeownership as an investment vehicle. Nick also offers advice for new real estate agents on building a successful career and discusses the dynamics between retail and investor markets.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Is buying a house still a good investment—or has the market pulled too much future return forward? Lance Roberts & Jonathan Penn break down the housing investment debate through a time-horizon lens, comparing housing to stocks, examining historical “win rates,” and explaining why transaction costs, leverage, and holding period matter far more in real estate than most buyers realize. 0:00 INTRO 0:19 - Moving into the Heart of Earnings Season 5:36 - Markets' Price Consolidation Breaks to the Downside 9:51 - Lance & Jonathan's Weekend Recap 11:36 - Collegiate Investors - Be Careful of Risk 16:35 - Don't Invest Your Student Loan Money! 18:40 - Buying a House for Rental or Residence? 21:13 - It's Always Something 23:32 - Housing - Net Worth or Liability? 26:34 - Fitting a House into a Financial Plan 27:48 - HELOC & Reverse Mortgages 28:53 - Do You Really Need to Own a Home? 30:25 - The Housing Supply - Demand Paradox 34:11 - Beware Creative Financing 38:33 - The Peace of Mind in Renting 40:10 - The True Cost of Home Ownership 42:38 - Proper Planning for Home Purchase 46:31 - Yard Plants & Money Trees Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- You can read Michael Green's blog, "Yes...I Give a Fig," here: https://www.yesigiveafig.com/ ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=Su5euJk8tsc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "The Metric that Matters - The Michael Green Interview" here: https://www.youtube.com/watch?v=TQSiR6fxLGg&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 -------- The latest installment of our new feature, Before the Bell, "Short-term Volatility Ahead," is here: https://www.youtube.com/watch?v=KS2mSWm16qg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #StockMarketUpdate #RiskManagement #MarketPullback #InvestorDiscipline #HousingMarket #RealEstateInvesting #HomeBuying #FinancialPlanning #InvestmentRisk

Is buying a house still a good investment—or has the market pulled too much future return forward? Lance Roberts & Jonathan Penn break down the housing investment debate through a time-horizon lens, comparing housing to stocks, examining historical "win rates," and explaining why transaction costs, leverage, and holding period matter far more in real estate than most buyers realize. 0:00 INTRO 0:19 - Moving into the Heart of Earnings Season 5:36 - Markets' Price Consolidation Breaks to the Downside 9:51 - Lance & Jonathan's Weekend Recap 11:36 - Collegiate Investors - Be Careful of Risk 16:35 - Don't Invest Your Student Loan Money! 18:40 - Buying a House for Rental or Residence? 21:13 - It's Always Something 23:32 - Housing - Net Worth or Liability? 26:34 - Fitting a House into a Financial Plan 27:48 - HELOC & Reverse Mortgages 28:53 - Do You Really Need to Own a Home? 30:25 - The Housing Supply - Demand Paradox 34:11 - Beware Creative Financing 38:33 - The Peace of Mind in Renting 40:10 - The True Cost of Home Ownership 42:38 - Proper Planning for Home Purchase 46:31 - Yard Plants & Money Trees Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- You can read Michael Green's blog, "Yes...I Give a Fig," here: https://www.yesigiveafig.com/ ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=Su5euJk8tsc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "The Metric that Matters - The Michael Green Interview" here: https://www.youtube.com/watch?v=TQSiR6fxLGg&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 -------- The latest installment of our new feature, Before the Bell, "Short-term Volatility Ahead," is here: https://www.youtube.com/watch?v=KS2mSWm16qg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #StockMarketUpdate #RiskManagement #MarketPullback #InvestorDiscipline #HousingMarket #RealEstateInvesting #HomeBuying #FinancialPlanning #InvestmentRisk

An expansive policy blueprint for meaningfully expanding the middle class for the first time in a century The US middle class was a product of state and federal policies enacted in the wake of the Great Depression. But since the 1980s, lawmakers have undermined what they once built, shredding the social safety net and instituting laws that virtually guarantee downward mobility for all but the most privileged. How can we restore what has been lost? Rigorous and highly readable, The Middle-Class New Deal: Restoring Upward Mobility and the American Dream (U California Press, 2026) breaks down the policies that have decimated working families and proposes reforms to reverse this trend. As Mechele Dickerson shows, part of the problem is that politicians disingenuously conflate the middle class with the "White lower rich." Such propaganda hides how state and federal lawmakers consistently favor education, labor, housing, and consumer-credit laws that erode the bank accounts of lower- and middle-income people--especially those who are not White and don't have college degrees. Weaving together the latest research with the personal stories of Americans struggling to make ends meet, Dickerson provides a clarion call for political leaders to enact a bold agenda like the one that created the middle class almost a century ago. A. Mechele Dickerson is the Arthur L. Moller Chair in Bankruptcy and Practice and University Distinguished Teaching Professor at University of Texas School of Law. Professor Dickerson is a nationally recognized scholar on financial vulnerability, consumer debt, housing affordability, and racial and economic disparities. She regularly teaches Remedies and Federal Civil Procedure at the School of Law, has taught a class on civil procedural disputes that arose between the two Trump presidencies, and has taught numerous cross-listed interdisciplinary graduate-level courses on the American middle-class and the COVID pandemic. She is also the author of Homeownership and America's Financial Underclass: Flawed Premises, Broken Promises, New Prescriptions. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

An expansive policy blueprint for meaningfully expanding the middle class for the first time in a century The US middle class was a product of state and federal policies enacted in the wake of the Great Depression. But since the 1980s, lawmakers have undermined what they once built, shredding the social safety net and instituting laws that virtually guarantee downward mobility for all but the most privileged. How can we restore what has been lost? Rigorous and highly readable, The Middle-Class New Deal: Restoring Upward Mobility and the American Dream (U California Press, 2026) breaks down the policies that have decimated working families and proposes reforms to reverse this trend. As Mechele Dickerson shows, part of the problem is that politicians disingenuously conflate the middle class with the "White lower rich." Such propaganda hides how state and federal lawmakers consistently favor education, labor, housing, and consumer-credit laws that erode the bank accounts of lower- and middle-income people--especially those who are not White and don't have college degrees. Weaving together the latest research with the personal stories of Americans struggling to make ends meet, Dickerson provides a clarion call for political leaders to enact a bold agenda like the one that created the middle class almost a century ago. A. Mechele Dickerson is the Arthur L. Moller Chair in Bankruptcy and Practice and University Distinguished Teaching Professor at University of Texas School of Law. Professor Dickerson is a nationally recognized scholar on financial vulnerability, consumer debt, housing affordability, and racial and economic disparities. She regularly teaches Remedies and Federal Civil Procedure at the School of Law, has taught a class on civil procedural disputes that arose between the two Trump presidencies, and has taught numerous cross-listed interdisciplinary graduate-level courses on the American middle-class and the COVID pandemic. She is also the author of Homeownership and America's Financial Underclass: Flawed Premises, Broken Promises, New Prescriptions. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/political-science

An expansive policy blueprint for meaningfully expanding the middle class for the first time in a century The US middle class was a product of state and federal policies enacted in the wake of the Great Depression. But since the 1980s, lawmakers have undermined what they once built, shredding the social safety net and instituting laws that virtually guarantee downward mobility for all but the most privileged. How can we restore what has been lost? Rigorous and highly readable, The Middle-Class New Deal: Restoring Upward Mobility and the American Dream (U California Press, 2026) breaks down the policies that have decimated working families and proposes reforms to reverse this trend. As Mechele Dickerson shows, part of the problem is that politicians disingenuously conflate the middle class with the "White lower rich." Such propaganda hides how state and federal lawmakers consistently favor education, labor, housing, and consumer-credit laws that erode the bank accounts of lower- and middle-income people--especially those who are not White and don't have college degrees. Weaving together the latest research with the personal stories of Americans struggling to make ends meet, Dickerson provides a clarion call for political leaders to enact a bold agenda like the one that created the middle class almost a century ago. A. Mechele Dickerson is the Arthur L. Moller Chair in Bankruptcy and Practice and University Distinguished Teaching Professor at University of Texas School of Law. Professor Dickerson is a nationally recognized scholar on financial vulnerability, consumer debt, housing affordability, and racial and economic disparities. She regularly teaches Remedies and Federal Civil Procedure at the School of Law, has taught a class on civil procedural disputes that arose between the two Trump presidencies, and has taught numerous cross-listed interdisciplinary graduate-level courses on the American middle-class and the COVID pandemic. She is also the author of Homeownership and America's Financial Underclass: Flawed Premises, Broken Promises, New Prescriptions. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

The Russell Community Land Trust leases land to residents for them to own affordable homes in their community

I wish someone had informed me about all the challenges and inconveniences that come with being a homeowner. It’s more of a hassle than a source of pride. On a positive note, there was an excellent debate between a senator and a doctor on C-SPAN. I watched it on Worldstar, which is quite unexpected. I’m eagerly looking forward to discussing it further. Additionally, the NFL playoffs are in full swing, and we’re getting closer to the Super Bowl. I’ll share my photos and analysis with you. Erik Griffin http://www.erikgriffin.com https://www.patreon.com/ErikGriffin http://twitch.tv/erikgriffingaming https://all-things-erik-griffin.creator-spring.com Youtube https://www.youtube.com/watch?v=SH6787kXb1Y

This episode features a large news slate: BlackRock surges to record $14T in assets, OpenAI inks $10B deal with AI chipmaker Cerebras, New York knocks Uber, DoorDash over tips. Roundtable: Buying Primary home through an LLC https://www.instagram.com/delano.saporu/?hl=en. Connect with me here also: https://newstreetadvisorsgroup.com/social/. Want to support the show? Feel free to do so here! https://anchor.fm/delano-saporu4/support. Thank you for listening.

Joyce talks about President Trump directing the federal housing financing system to purchase $200 billion mortgage bonds, in an effort to bring down both rates and monthly payments.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This lively radio show celebrates its 11th anniversary while diving into financial insights. The hosts discuss market trends, such as the promising performance of the S&P and small-cap stocks, and delve into economic indicators showing a positive start to 2026. They also engage in entertaining banter about topics like California's wealth tax, real estate ownership by corporations, and the improving financial health of American households

Chris Markowski discusses various pressing issues in the financial and political landscape, including government intervention in the housing market, the implications of property taxes on ownership, the defense industry's challenges, and the recent government shutdowns affecting healthcare subsidies. He also delves into the controversial topic of Greenland and the potential use of military force, questioning the morality and practicality of such actions.

In this episode of PhotoWork with Sasha Wolf, Alejandro Cartagena returns to discuss his mid-career solo exhibition Ground Rules at San Francisco Museum of Modern Art, along with the accompanying book published by Aperture. Alejandro and Sasha dig into how both the exhibition and the book came together, from concept to execution. He also reflects on the lasting impact of his seminal project Carpoolers, and how it shaped his thinking around photography, technology, and intent. The conversation expands to the broader cultural stakes of the medium, including Alejandro's recent investigations into AI-generated imagery. https://alejandrocartagena.com https://www.sfmoma.org/exhibition/alejandro-cartagena-ground-rules/ https://aperture.org/books/alejandro-cartagena-ground-rules/ Alejandro Cartagena, Mexican (b. 1977, Santo Domingo, Dominican Republic) lives and works in Monterrey, Mexico. His projects employ landscape and portraiture as a means to examine social, urban, and environmental issues. Cartagena's work has been exhibited internationally in more than 50 group and individual exhibitions in spaces including the Fondation Cartier pour l'art contemporain in Paris and the CCCB in Barcelona, and his work is in the collections of several museums including the San Francisco MOMA, The J. Paul Getty Museum, The Museum of Contemporary Photography in Chicago, The MFAH in Houston, the Portland Museum of Art, The West Collection, the Coppel collection, the FEMSA Collection, Museum of Fine Arts in Houston, the George Eastman House and the Santa Barbara Museum of Art and among others. Alejandro is a self publisher and co-editor and has created several award wining titles including Insurrection Nation, Studio Cartagena 2021, Santa Barbara Save US, Skinnerboox, 2020, A Small Guide to Homeownership, The Velvet Cell 2020, We Love Our Employees, Gato Negro 2019, Santa Barbara Shame on US, Skinnerboox, 2017, A Guide to Infrastructure and Corruption, The velvet Cell, 2017, Rivers of Power, Newwer, 2016, Santa Barbara return Jobs to US, Skinnerboox, 2016, Headshots, Self-published, 2015, Before the War, Self-published, 2015, Carpoolers, Self-published with support of FONCA Grant, 2014, Suburbia Mexicana, Daylight/ Photolucida 2010. Some of his books are in the Yale University Library, the Tate Britain, and the 10×10 Photobooks/MFH Houston book collections among others. Cartagena has received several awards including the international Photolucida Critical Mass Book Award, the Street Photography Award in London Photo Festival, the Lente Latino Award in Chile, the Premio IILA-FotoGrafia Award in Rome and the Salon de la Fotografia of Fototeca de Nuevo Leon in Mexico among others. He has been named an International Discoveries of the FotoFest festival, a FOAM magazine TALENT and an Emerging photographer of PDN magazine. He has also been a finalist for the Aperture Portfolio Award and has been nominated for the Santa Fe Photography Prize, the Prix Pictet Prize, the Photoespaña Descubrimientos Award and the FOAM Paul Huff Award. His work has been published internationally in magazines and newspapers such as Newsweek, Nowness, Domus, the Financial Times, The New York Times, Le Monde, Stern, PDN, The New Yorker, and Wallpaper, among others.

The Duty to be Normal. Iran-born Erica Kasraie, Middle-East expert, human rights activist, and Executive Director of LIVING WATER Productions, joins the show to comment on the lack of information coming out of Iran in the wake of mass protests against the theocratic government of the Islamic Republic. We're joined by John Dombroski, founder and president of Grand Canyon Planning Associates. President Reagan’s adopted son Michael Reagan passed away today. “Homeownership is racist.”See omnystudio.com/listener for privacy information.

A look at the plus and minuses of owning a home in California right now. Plus, how some new laws may play out at a school near you. Finally, folk singer returns to Northern California with new album.

Recorded live at the 2025 MBA Annual in Las Vegas, this special episode of Market Pulse explores how down payment assistance programs can help unlock homeownership amid today's affordability challenges. Joel Rickman of Equifax sits down with Rob Chrane, Founder and CEO of Down Payment Resource, to discuss how lenders, real estate professionals, and technology can better connect buyers to thousands of available programs—and why awareness, education, and alignment are key to getting more families into homes.In this episode:What is down payment assistance, and how does it help homebuyers?Down payment assistance (DPA) includes grants, forgivable loans, and other programs that help cover down payments and closing costs. These programs can significantly reduce upfront cash requirements and make homeownership more accessible—especially for first-time buyers and middle-income households.How many down payment assistance programs exist today?According to Down Payment Resource's latest Homeownership Program Index, there are more than 2,600 active homeownership assistance programs nationwide, administered by over 1,300 state, local, and nonprofit organizations.Who qualifies for down payment assistance programs?Eligibility varies by program, but many programs serve more than just low-income buyers. Some programs:Have no household income limitsSupport middle-income and “missing middle” buyersApply to manufactured homes and multifamily (2–4 unit) propertiesAre available nationally or in high-cost housing marketsWhy don't more buyers use down payment assistance?The biggest barrier isn't funding—it's awareness. Many buyers (and even industry professionals) don't know these programs exist. Fragmentation, lack of standardization, and fear of complexity have historically limited adoption.How do lenders and loan officers use Down Payment Resource?Down Payment Resource provides tools that:Match borrowers and properties with eligible assistance programsIntegrate with loan origination systems (LOS)Surface vetted programs automatically during the lending processHelp lenders educate borrowers without adding operational burden

This is the full episode of The Morning Show with Preston Scott for Tuesday, January 6th.Follow the show on Twitter @TMSPrestonScott. Check out Preston's latest blog by going to wflafm.com/preston. Listen live to Preston from 6 – 9 a.m. ET and 5 – 8 a.m. CT!WFLA Tallahassee Live stream: https://ihr.fm/3huZWYeWFLA Panama City Live stream: https://ihr.fm/34oufeR Follow WFLA Tallahassee on Twitter @WFLAFM and WFLA Panama City @wflapanamacity and like us on Facebook at @wflafm and @WFLAPanamaCity.      

Why are Americans waiting longer than ever to buy their first home? In this episode, Kathy Fettke breaks down new reporting from HousingWire on how rising student loan balances, credit card debt, and higher living costs are delaying homeownership for Millennials and Gen Z. With the median first-time buyer now at a record age of 40, debt pressures are reshaping when — and how — younger Americans enter the housing market. We look at the latest data on student debt, credit stress, and financial counseling trends, and what these shifts mean for housing demand, affordability, and the future pipeline of buyers. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  SOURCE: https://www.housingwire.com/articles/the-debt-crisis-among-younger-americans-how-it-is-shaping-homeownership-and-what-lenders-can-do/

Homeownership is still the number one way to build wealth in America—but for too many people, the path feels confusing, risky, or out of reach. In this powerful and deeply personal episode of Money and Wealth, John Hope Bryant breaks down why financial literacy is the civil rights issue of our generation and how ownership can be made actionable for everyday people. John is joined by Operation HOPE financial coach Lester and HOPE client Leanne Brown, who shares her real-life journey from renting and struggling with credit to becoming a proud homeowner in Memphis, Tennessee. Together, they unpack the mistakes many of us were never taught to avoid, the myths around credit and mortgages, and how mindset, discipline, and the right guidance can change not just finances—but entire family legacies. This episode goes beyond theory. It’s a step-by-step, lived example of how budgeting, credit repair, and financial coaching can move people from survival mode to stability, from stress to confidence, and from access to true ownership. If you’ve ever thought homeownership wasn’t for you—or didn’t know where to start—this conversation is proof that wealth is not about luck or privilege, but about knowledge, action, and support. This is what hope with a business plan looks like.See omnystudio.com/listener for privacy information.

New York democrats move further left and go after private homeowners. NYC Mayor elect Zohran Mamdani just made his first endorsement since becoming mayor and it's Aber Kawas for a NY State Assembly seat in Queens. Latest on Nick Shirley and Minnesota fraud scandal. MSNBC saying uncovering fraud in Minnesota is a weaponization of DOJ and FBI. Blue states are blocking Trump's tax cut provisions and more. #trump #zohranmamdani #nickshirley #minnesota #snapbenefits #realestate #nycrealestate

In this conversation, Dianne Wheeler discusses her journey as the founder and CEO of Home Hub AI, a digital app designed to support homeowners in managing their properties. She emphasizes the importance of community, networking, and authenticity in business, while sharing insights into the challenges and successes of building a startup. Dianne also outlines her vision for the future of Home Hub AI and the impact it aims to have on the real estate market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Senior principal economist Molly Boesel of Cotality breaks down the current housing market, including high home prices, large down payment requirements, and why homeownership feels out of reach for many millennials and young adults. The discussion covers low housing supply, rising rents, competition from investors, and the lack of entry level housing options. Boesel also explains new research showing that when people give up on the idea of owning a home, it can change how they save, spend, work, and invest, with long term financial and behavioral consequences.

Are you sick of tenants, toilets, trash, and trauma?

In this special holiday episode of The REconomy Podcast™, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi unwrap the hidden homeownership themes threaded throughout some of the most iconic holiday movie classics. From It's a Wonderful Life to Home Alone to The Holiday, and Christmas Vacation, homeownership is more than a backdrop, it is the emotional core of the American story. Don't miss a single REconomy episode, subscribe today.  

The headlines shout about winners and losers, but the real story this year is a quiet break in the social fabric: rising costs, collapsing civility, and a middle class pushed to the margins while trillion-dollar platforms set the rules. We take stock without the wishful thinking—where leadership fell short, why media trust eroded, and how populist energy devolved into a performance economy. Then we chart a path that doesn't wait for national saviors: rebuild the basics at the scale where life is actually lived.We dig into the mechanics of housing failure—land costs, fee stacks, and “solutions” that produce $3,500 one-bedrooms—and connect the dots to fertility declines and stalled mobility. We separate immigration myths from needs, arguing for policy that matches real shortages in skilled trades and technical roles rather than defaulting to elite preferences. And we confront the AI wildcard: consolidation of market power, creative jobs under pressure, and a creeping culture of low-effort knowledge that hollows out curiosity.The turnaround starts hyperlocal. Parents are reasserting standards through charter, parochial, and homeschool options. Neighbors who disagree politically still shovel each other's driveways and show up for city hall, building the trust that national media can't supply. Homeownership emerges as social glue—creating stake, stability, and responsibility—and we explore practical ways to expand it alongside vocational pipelines that open high-wage work. If the system feels feudal, the counterweight is community: family first, neighborhood next, and a renewed civic culture that values competence over slogans.If this resonates, follow the show, share it with a friend who cares about their block as much as their feed, and leave a review to help others find it. Your voice in your community is the lever—let's put it to work.Support Our WorkThe Center for Demographics and Policy focuses on research and analysis of global, national, and regional demographic trends and explores policies that might produce favorable demographic results over time. It involves Chapman students in demographic research under the supervision of the Center's senior staff.Students work with the Center's director and engage in research that will serve them well as they look to develop their careers in business, the social sciences, and the arts. Students also have access to our advisory board, which includes distinguished Chapman faculty and major demographic scholars from across the country and the world.For additional information, please contact Mahnaz Asghari, Associate Director for the Center for Demographics and Policy, at (714) 744-7635 or asghari@chapman.edu.Follow us on LinkedIn:https://www.linkedin.com/company/the-feudal-future-podcast/Tweet thoughts: @joelkotkin, @mtoplansky, #FeudalFuture #BeyondFeudalismLearn more about Joel's book 'The Coming of Neo-Feudalism': https://amzn.to/3a1VV87Sign Up For News & Alerts: http://joelkotkin.com/#subscribeThis show is presented by the Chapman Center for Demographics and Policy, which focuses on research and analysis of global, national and regional demographic trends and explores policies that might produce favorable demographic results over time.

Amanda Guzman Joins Barrett Gruber and Bill Kimler on The All About Nothing: Podcast Kinda Daily Show for a conversation that ranges from the deeply relatable to the completely bizarre.In this episode, they break down the millennial housing market, sharing personal stories of the hurdles and "surreal" milestones of home ownership today. They compare generational perspectives on buying property and the daunting reality of home renovations.The talk takes a turn into the strange as they conduct a deep dive into the Nexium (NXIVM) cult, exploring it as a cautionary tale of personal development gone wrong. Plus, they discuss the surprising science of how our senses impact our daily lives, the difference between "coats and jackets," and how weather shapes our holiday traditions.Key Topics: #HousingMarket2025 #MillennialHomeowners #NexiumCult #AdultingMilestones #PersonalFinance #HomeOwnership #PodcastLife #NXIVMBarrett Gruber | LinktreeBill Kimler | LinktreeThe All About Nothing: Podcast | LinktreeBlack White Blue in the South | Instagram, Facebook | LinktreeClick here for Episode Show Notes!As always, "The All About Nothing: Podcast" is owned and distributed by BIG Media LLC!Check out our network of fantastic podcasts!Click Here to see available advertising packages!Click Here for information on the "Fair Use Copyright Notice" for this podcast.Mentioned in this episode:ZJZ Designs Holiday 2024 Prints Available NowZJZ Designs Holiday 2024 Prints Available Now. Featuring Eddie The Elf! Check Out ZJZDesigns.com!ZJZ DesignsBIG Media LLC Copyright 2025This Podcast is a product of BIG Media LLC and Copyright 2025 Visit https://bigmediallc.com for more from BIG Media LLC!BIG Media LLC

In this episode of The Distribution, Brandon Sedloff sits down with Tony Avila for a detailed discussion on the evolution of residential land development and homebuilding finance. Tony walks through his multi-decade career, from early exposure to real estate and investment banking to building platforms focused on capital solutions for developers and regional homebuilders. The conversation explores how institutional capital, regulatory shifts, and interest rate cycles have reshaped the housing ecosystem, and why today's environment presents a distinct opportunity in land and construction lending. Together, they break down the mechanics behind land development loans, underwriting discipline, and the structural gaps left by traditional banks. They discuss: • Tony Avila's career path through real estate workouts, investment banking, and homebuilding M&A • The institutionalization of homebuilding and the role of public markets and consolidation • Distressed land and development opportunities following the financial crisis • Why banks have pulled back from land and construction lending and how private capital is filling the gap • The fundamentals of land development loans, underwriting risk, and housing affordability Links: Tony on LinkedIn - https://www.linkedin.com/in/tony-avila-8879487/ Avila Real Estate Capital - https://www.avilacapllc.com/ Brandon on LinkedIn - https://www.linkedin.com/in/bsedloff/ Juniper Square - https://www.junipersquare.com/ Topics: (00:00:00) - Intro (00:01:41) - Tony Avila's background and career (00:06:03) - The evolution of home building and institutionalization (00:08:46) - Mergers, acquisitions, and public listings (00:12:39) - Encore and distressed market opportunities (00:17:41) - Pivoting strategies in a changing market (00:20:01) - Current business structure and focus (00:24:58) - Understanding the fundamentals and opportunities (00:27:14) - Understanding land development loans (00:28:54) - Key considerations for land loans (00:30:43) - Distinguishing developers from builders (00:32:21) - Funding and underwriting strategies (00:39:35) - Navigating institutional capital (00:48:55) - Addressing housing affordability (00:53:16) - Conclusion and contact information

The St. Joseph Housing Initiative revitalizes vacant properties in underserved St. Louis neighborhoods and renovates them before selling to first-time homebuyers. As St. Louis Public Radio's Lacretia Wimbley reports, the program is making homebuying dreams come true, one renovation at a time.

In this episode of the What Moves Her podcast, Lindsay Listanski sits down with Kamini Lane, President & CEO of Coldwell Banker Realty, and David Dickey, President & CEO of Guaranteed Rate Affinity, for a forward-looking conversation on leadership, equity, and the future of real estate.They reflect on the milestone that women have only been able to secure a mortgage independently for 50 years and explore how education and access continue to shape opportunity. A key focus is how AI and technology are closing knowledge gaps, giving consumers a safe, judgment-free way to learn, ask questions, and move from curiosity to confident action.The conversation highlights how AI can elevate both consumers and professionals, allowing advisors to focus on strategy and relationships, and closes with a call to evangelize possibility to help more women build wealth through homeownership.For more info, follow us on whatmovesher.com and ⁠⁠⁠⁠instagram.com/whatmovesher.

The Low-Income Housing Tax Credit’s Eventual Tenant Ownership program is meant to give people the chance to buy the home they're renting. It works by providing developers with Low-Income Housing Tax Credits for building homes that would qualify for this program in exchange. But new reporting from Underscore Native News and ICT highlights how the Washington program, which mainly serves tribal lands and governments, has failed to convert a single home to ownership. Luna Reyna is the Northwest Bureau Chief for the publication. She joins us to share more.

Data shows that the marriage rate and the homeownership rate have been closely connected for decades. Historically, more marriage means more home buying, but government intervention has made buying a home much harder. Be sure to follow Radio Rothbard at https://Mises.org/RadioRothbardRadio Rothbard mugs are available at the Mises Store. Get yours at https://Mises.org/RothMug PROMO CODE: RothPod for 20% off

Data shows that the marriage rate and the homeownership rate have been closely connected for decades. Historically, more marriage means more home buying, but government intervention has made buying a home much harder. Be sure to follow Radio Rothbard at https://Mises.org/RadioRothbardRadio Rothbard mugs are available at the Mises Store. Get yours at https://Mises.org/RothMug PROMO CODE: RothPod for 20% off

Welcome back to Impact Theory with Tom Bilyeu. In today's episode, Tom Bilyeu dives deep into the current state of the American housing market and why owning a home – once the cornerstone of the American Dream – now seems completely out of reach for so many. Tom Bilyeu breaks down how policies, generational incentives, and corporate interests over decades have converged to create the least affordable housing market in generations. He unpacks the collapse of opportunity facing younger Americans, the long-term effects of money printing and wage stagnation, and why this crisis isn't just about high prices—it's a symptom of deeper, systemic problems. But it's not all doom and gloom. Tom Bilyeu also shares actionable strategies for navigating this challenging landscape, building wealth, and making the system work for you. Get ready for a candid, eye-opening, and practical look at one of the most pressing issues facing our society today. Let's dive in. 00:00 - Intro 2:50 - Part 1: What the hell happened- and how did housing kill the American Dream? 13:40 - Part 2: How Bad is it, and Who's to Blame? 28:05 - Part 3: How to Make This Mess Work for You Business Wars: Follow Business Wars on the Wondery App or wherever you get your podcasts. Quince: Go to https://quince.com/IMPACTPOD for free shipping on your order and 365-day returns. Linkedin: Post your job free at https://linkedin.com/impacttheory HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.com Netsuite: Right now, get our free business guide, Demystifying AI, at https://NetSuite.com/Theory Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Raycon:  Up to 20% off during this holiday season at https://buyraycon.com/IMPACTTHEORYBC Connectteam: 14 day free trial at https://connecteam.cc/46GxoTF ButcherBox: New users will receive their choice between filet mignon, ribeye or NY Strip in every box for a year + $20 off! at https://butcherbox.com/impact Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Cape: 33% off with code IMPACT33 at https://cape.co/impact True Classic: Upgrade your wardrobe at https://trueclassic.com/impact Bevel Health: 1st month FREE at https://bevel.health/impact with code IMPACT What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

Reverend Dr. William Bennett of Good Success Church, Dr. A. Lionel Edmonds of Mount Lebanon Baptist Church, and Reverend William Spencer of Alfred Street Baptist Church join MIP on 89.3 wpfw.org to discuss the spiritual and social responsibility of churches during a time of intense housing stress.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

If you've ever been told your gut is “fine” but you still feel bloated, inflamed, exhausted, or stuck, this episode will change the way you look at your health. In today's episode, I break down what a GI Map actually is and why I use it as the starting point for almost every woman I work with. I explain the critical difference between what a traditional GI doctor looks for and what a GI Map is designed to uncover.  While medical doctors are trained to find disease, this type of testing looks for dysfunction, the subtle imbalances that quietly sabotage your energy, hormones, digestion, and metabolism. I walk you through what the test measures, including bacteria, yeast, parasites, inflammation, leaky gut markers, and detox capacity.  You'll learn why so many women get “normal” test results at the doctor's office but still feel anything but normal in their bodies. I share why skipping the gut and jumping straight into hormone work often leads to stalled progress and frustration. I also break down how we use GI Map results to create custom gut-healing protocols that go far beyond random supplements.  We talk through the real-life signs that your gut might be your missing piece even if you don't have obvious digestive issues. I explain why this test alone isn't enough and how coaching and real-time adjustments are what make the process actually work.  If you've been doing “all the right things” and still feel off, this episode will connect the dots for you. By the end, you'll understand whether a GI Map might be the next step in your healing journey and why guessing is no longer necessary. If you're ready for clarity instead of trial and error, this episode is for you.  Time Stamps: (1:21) Home Ownership(4:40) GI Map's(6:32) Disease vs Dysfunction(9:50) What Is A GI Map?(12:27) Where We Start Our Vital Spark Clients(15:40) Your House Is On Fire(20:07) Episode 206 and 207(21:58) Would You Benefit From A GI Map?(29:47) What Happens After The GI Map---------------------Find Out More Information on Vital Spark Coaching---------------------Follow @vanessagfitness on Instagram for daily fitness tips & motivation. ---------------------Download Our FREE Metabolism-Boosting Workout Program---------------------Join the Women's Metabolism Secrets Facebook Community for 25+ videos teaching you how to start losing fat without hating your life!---------------------Click here to send me a message on Facebook and we'll see how I can help or what best free resources I can share!---------------------Interested in 1-on-1 Coaching with my team of Metabolism & Hormone Experts? Apply Here!---------------------Check out our Youtube Channel!---------------------Enjoyed the podcast? Let us know what you think and leave a 5⭐️ rating and review on iTunes!

Homeownership has been baked into the American Dream for nearly a century. Politicians, parents, and banks all tell you the same thing: “Buy a house as soon as you can. It's your biggest asset.” But as a real estate guy who actually understands how wealth is created… I'm not convinced it makes sense for everyone—especially early in your career. Let me explain. Say you finally start making some real money—maybe you're a doctor fresh out of residency. The cultural script kicks in immediately: Buy a house. Build equity. Feel responsible. But here's the part most people forget: your primary home is not an asset. As Robert Kiyosaki puts it, if something takes money out of your pocket, it's not an asset—it's a liability. According to Bankrate and the Census Bureau, U.S. homeowners spend around $17,000 per year just to maintain and operate their homes—and that's before you make a single mortgage payment. That's property taxes, insurance, utilities, landscaping, repair bills, HOA fees… the list goes on. If your house is worth $1.5M, even the bare-minimum 1% annual maintenance rule hits you with $15,000 a year just to keep the place from deteriorating. Add insurance, taxes, utilities, and everything else, and you're looking at $30,000–$40,000 per year in unavoidable, non-negotiable carrying costs. And that still doesn't cover the roof that fails, the appliances that die, or the curveballs Mother Nature throws at you. None of that feels like an “asset” to me. Now, to be fair, people don't usually buy homes as investments. They buy them for stability, a place to raise kids, a sense of being “settled.” It's emotional. It's psychological. And it's real. But if you're young—and especially if you haven't hit your first million—it's worth asking yourself a tough question: Is buying a home right now the best financial move… or just the most familiar one? Because historically, U.S. home prices appreciate around 4.3% a year (Case-Shiller). Meanwhile, the S&P 500 averages closer to 10%. And if you’re in real estate investing? A solid multifamily value-add deal often targets 16–20% IRR—plus tax advantages your primary home will never give you. So if you're just getting started, it might make sense to delay that home purchase. Invest first. Build your passive income. Let your assets—not your salary—pay for your lifestyle. Then when you do buy a home, you'll be doing it from a position of strength, not strain. The irony is this: waiting often gets you to the dream home faster because your capital compounds instead of being trapped in drywall, windows, and a backyard you barely have time to enjoy. This Week on Wealth Formula Podcast, I interview expert Dr. Ken Johnson, who digs even deeper into this question—and lays out why homeownership isn't the golden ticket people think it is, especially for high earners early in their wealth-building years. Linked mentioned: Beracha and Johnson Housing Ranking Index: https://www.ares.org/page/beracha-johnson-housing-ranking-index Waller, Weeks and Johnson Rental Index: https://www.ares.org/page/waller-weeks-johnson-rental-index Price-to-Rent Ratio Report: https://therealestateinitiative.com/price-to-rent-ratios/ Top 100 Housing Markets – Inflation Adjusted: https://therealestateinitiative.com/housing-top-100/ Learn more about Dr. Ken Johnson: https://olemiss.edu/profiles/khjohns3

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

When the dream of buying a home seems unattainable, is it time to find a new dream? Or is there another option on the table?Bill Pulte, the director of the Federal Housing Finance Agency, or the FHFA, said the administration is “working on” a plan to introduce 50 year mortgage terms for homebuyers. But some Americans have already been working on their own plans towards homeownership… and it's not the ‘nuclear family' route. Brittany is joined by NPR chief economics correspondent Scott Horsley and NPR producer & author of The Other Significant Others: Reimaging Life with Friendship at the Center, Rhaina Cohen to get into the cult of homeownership in America. Together they search for a new outlook of what ‘adulthood' looks like.Follow Brittany Luse on Instagram: @bmluseFor handpicked podcast recommendations every week, subscribe to NPR's Pod Club newsletter at npr.org/podclub.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy