Housing Market Flashing Red for 'Miserable' Economic Reality in US

[@WilliamGaray5]

Thank you for your videos mate.... With Trump's presidency, economic shifts are expected to be significant, especially given the current recession and the potential impact of future rate cuts. Although rate cuts might not boost inflation as hoped, they may lead banks to further restrict consumer and corporate lending, contributing to a deflationary period for various assets. This environment could result in declining stock values, retail and housing sales, and rising unemployment due to layoffs. For investors, a diversified portfolio especially with stocks and cryptocurrencies offers some protection, serving as a hedge amid volatility. Both long- and short-term trading strategies can help manage risks, providing stability as markets adjust. I have managed to grow a nest egg of around 130k to a decent 732k in the space of a few months... I'm especially grateful to Seren Wintersun, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape..

[@WilliamGaray5]

@Serenwintersun

[@krytenss]

The pump and dump has been a perfect eyeopener for us all to really see how unpredictable the market can be and the need for us to be trading not just seat and hodl.

[@22Mandy]

Great skills and knowledge about the market. I enjoy full profits and easy withdrawal with no complains,

[@ive6830]

Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.

[@s7s0nXx]

What I appreciate about Seren Wintersun. is her ability to tailor strategies to individual needs. She recognizes that each investor has unique goals and risk tolerances, and she adapts her advice accordingly.

[@HedgeFundCIO]

A housing correction won’t be a free lunch. Many will not be in a position to buy due to economic collapse.

[@annethacker8292]

What an excellent show! Such a breath of fresh air, these honest folks telling it like it is...Thanks to all!

[@sb4333]

The over-financialization of our economy has destroyed the American Dream for working people. Unbridled greed and the promise of easy money, the top 10% has just about gutted the rest of us, but they’re still looking for double digit returns every year. The rest of us are locked in a cost of living crises. Something’s gotta give

[@bobburges3654]

Don't forget about the ultra low highly manipulated interest rates since 2001!!!

[@8675-__]

I couldn't agree more

[@Dressy7]

Money in politics adds to the problem a lot as well

[@KennyRogersRoasters84]

Please god we need a housing market correction SOOOO bad! Asking prices are INSANE.

[@8675-__]

People ask 10% higher than they expect to receive...so offer less. It will be acceptable

[@KennyRogersRoasters84]

@8675-__ homes are priced 100k over value. The market is going to crash and burn 🔥

[@goodhumorman1252]

With 80% of our population not having $500 saved, who will be buying a house in the future?

[@annagreco7470]

Investors I'd imagine.

[@Joe-ti7qd]

Speculators

[@timothygibney159]

The other 20% hoping to get rich

[@txgagan]

Indian and Chinese

[@delaville680]

Think about 55 plus communities. Will there be enough people to buy those homes?

[@trentlyght2350]

Two excellent guests that are extremely knowledgeable on the housing market and more importanty the nuances for both commercially and residential housing. Great Show!!

[@themarkandmelteam]

There is so much artificial stimulus in real estate that it will take at least a year to weed out the speculation based on those artificially stimulated numbers. Great video all 👍

[@mpetty9947]

May even be 4 or 5 MORE years.

[@tztz1949]

Like world starvation, it’s not a food issue, it’s a money issue. Housing is now expensive to build, any crash will be again a mortgage availability issue. We need the homes but a 3 point increase in rates will crash the overblown retail market.

[@miniminamanmina3715]

Believe me 0% free money for all (BIGS )is on it's way again .

[@mpetty9947]

Over the next decade we will see a 15 to 19 point increase in long term interest rates.

[@threemonkeys5441]

Miserable is the perfect word for it. Something needs to change in 2025

[@bdek68]

The longer asset prices go up the harder they are going to break and the worse the recession will be! How people can’t see this is baffling to me.

[@cdavis25232]

"America real estate & automotive markets are looking like a huge debt bomb!!"

[@8675-__]

Exactly! Too many people are buying new cars or trucks they don't really need and seriously can't afford

[@michaellalanae7228]

It's been flashing red since 2007,

[@class1188]

YOUR CORRECT I THINK WERE ALL IN THE RED BIDENOMICS WAS WONDERFUL ON THE WALLET😮

[@peterbedford2610]

😂😂

[@johnmastandrea137]

They say 30% of net pay is ideal for a monthly mortgage payment. But can that % go to 40 if the homeowner has no monthly car payment? The average new car payment is 700 a month or 8,400 a year.

[@trschurr]

You don't plan to buy a car ever?

[@johnmastandrea137]

@@trschurr I might not need to.

[@trschurr]

@@johnmastandrea137 You just answered your question. Might...Who knows what the future holds hence not putting soo much into one asset

[@8675-__]

Yes, sure it can

[@raymicciche8869]

@@johnmastandrea137 How about insurance? Homeowners insurance in Florida is going to be about $1000 month. The cheapest Tesla model costs almost $200 month to insure.

[@bibibachmd9995]

Great interview. Melody and Jack are excellent and do their research. Agree we are at the start of a long bond bear market. This will not unwind in a few years.

[@danidaydreaming919]

Melody is such a treat! Love Jack too ❤🎉

[@clffeingold]

Excellent points. Thank you.

[@GillerHeston]

I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways?

[@jcurdrayeric243]

If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.

[@rogerwheelers4322]

Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.

[@joshbarney114]

This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.

[@FabioOdelega876]

Can you provide instructions on how to contact your advisor? I'm experiencing erosion of my funds due to inflation and looking for a more profitable investment strategy to make better use of them.

[@joshbarney114]

I've experimented with a few over the past years, but I've stuck with ‘’Marisa Michelle Litwinsky” for about two years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@Rustyrailhead]

I wonder about Maricopa Az. as there are investors building large apartments buildings, one that has small single family close to one another homes all for renting. I am sure it is a private equity company behind these developments. It is a bedroom community to Phoenix and a handsome commute to the city. A horrible commute and the state is way behind making it a better commute. Also, these are not less expensive.

[@cdavis25232]

"The greed and corruption is astounding in most popular markets now!! "

[@raymicciche8869]

The percentage of billionaires to GDP increased from 14% to 21% over last 4 years. How’s that for corruption? The majority of Trump’s 2018 corporate tax cuts was spent on stock buybacks (illegal prior to 1982). And, he’s planning on cutting it to 15% from 21%. Meanwhile, corporations had record profits and margins over last 4 years. Now they are going to rig the skilled labor market with H1B Visas, claiming the U.S. doesn’t have enough skilled labor? We have the best universities in the world by a long shot.

[@4000angels]

This was an awesome interview. Thank you

[@danielorzech4563]

Excellent interview!

[@deborahilyia1125]

I love Melody!

[@danidaydreaming919]

❤ me too 😊

[@NobodySpecialFinance]

Thanks for having us on Jesse! Always a pleasure to talk with you two.

[@danielturner9832]

You have a great channel yourself

[@AB-ml9fm]

I watch both you and Melody often. You guys were on your game here. Very focused. 👍

[@Rudiarius88]

awesome interview thanks to you all great information

[@vermeerrecpt9290]

There is something nice about Melody Wright.

[@valerietweedie4376]

Always love Melody and am SO GLAD to be introduced to Jack! Definitely following up on his show!

[@danidaydreaming919]

❤

[@billdowney1487]

Melody is a great analyst on real estate

[@maemorri]

At 36:00 when they are giving their forecasts they fudge a great deal. They don't give any perspective on where real rates are going to go, so they just say stay in money markets and short term treasurys. But that's a cop out. They imply they think nominal rates are going higher. But if they wanted to put money on that, they would say take out fixed home equity and long-term debt. But they do that so essentially they just say "We don't know." Why not just be honest?

[@rafao7966]

Very informative

[@qj8933]

Melody knows what she is talking about....Im also in the industry and portfolio delinquencies across the board are steadily increasing and by leaps and bounds.

[@amandabrau-v6w]

Are you seeing more short sales and delinquency’s rising on housing?

[@qj8933]

​@@amandabrau-v6w definitely more attempts to salvage their home before it goes to Foreclosure sale by applying for a short sale but honestly I dont know how many of those are successful, my guess is not too many as its a process in which the lender needs to authorize depending on the amount of the net theyre getting back. Another detail is very few people are buying these homes in fc sales, whether its because theyre overvalued or overpriced even after the haircuts or some other reason. Its starting to look like that the last GFC all over again.

[@amandabrau-v6w]

@ are you doing housing delinquencies or do you do other delinquencies?

[@ZuluNation05]

I'm for a crash but make this make sense going steadily yet by leaps and bounds????

[@Heather-db6wq]

@@qj8933we bought in 08. We tried to buy 2 different homes that were short sales but dealing with the banks were a complete nightmare. We ended up buying a foreclosure & both of the houses that were short sales ended up in foreclosure.

[@g.i.520]

What is it now…4 years you’ve been saying this??? 🤦🏻‍♀️🤦🏻‍♀️🤦🏻‍♀️

[@shanerogers9386]

You should buy. Plenty of $2MM homes that were $500K 3 years ago and flipped 3 times since then. Seriously, buy

[@arc_13n]

The looming depression will make the 30s look like the Golden Age. Prepare accordingly.

[@skyfinancellc9538]

Melody, you said that in 2008: "Non-prime did not bring the housing market down; prime did." What?! This is certainly opposite from everything I've heard elsewhere, i.e. "Big Short" and so forth. Please explain?

[@ZuluNation05]

Sub prime started the crash.....prime loans weren't so prime and lost value in homes and the cards came falling down. The prime market walked away and hit 2008 hard. This time will be worse. The numbers don't make sense. I know way too many real estate strong friends that are hurting in rental vacancies alone. 😊

[@morgansofia]

This is a really interesting take on the housing market. People are being impacted by the long-term decline in property prices and the housing market. I recently sold my house in the Sacramento area, and I want to invest my lump-sum profit in the stock market before prices start to rise again. Is now the right moment to buy or not?

[@HoskinsShanellNicole]

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert

[@mydressmemos]

It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.

[@JacobsErick-u8r]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@mydressmemos]

Her name is Melissa Terri Swayne. Hope that helps

[@LUCIASMITH-d1z]

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

[@DocJaeBass]

It was 25% for the full principal, interest, tax and insurance for mortgage, back in the 50s and 60s when the American economy was fundamentally very strong.

[@Rustyrailhead]

To jacks comment on Buffet. As far as I know is he is right sizing his investments as they are out of line. Areas have got too big and so he is selling to get back to the right percentages in his portfolio He isn't getting out. Am I wrong?

[@skt1731]

Main takeaway: stay out of real estate and stocks, and keep surplus cash in short term US Treasuries. Just wait patiently for a year or longer for likely violent market corrections to play out after Trump takes over.

[@trentlyght2350]

I have done exactly that…been in treasuries since 2022 averaging 5% with no risk…waiting for next crash which in inevitable and will pounce then

[@JimboHotWings]

​@@trentlyght2350and you missed out on one of the greatest bull markets of all time. Smh....

[@dbanks128]

Why would you hold t-bills if rates are going higher?

[@franktube2008]

There's a lot of money out there. The haves will continue to have. Once the prices adjust, the buying will be unprecedented.

[@JenJones10]

Portland OR is seeing a big hit with commercial real estate. $30 million buildings are on the auction block for $5 million.

[@raymicciche8869]

The vacancy rate is projected to reach almost 50%. Portland is circling the drain. Lost count how many businesses closed up.

[@8675-__]

I completely agree

[@akumacode]

Host, you gotta move to a better sounding room friend. The echo in the hallway or living room is really harsh. Smaller room with stuff in it is a good solution

[@anisenkrill6179]

The empty Big Lots down the street ain't gonna a new tenant for years. Same as 2009. Gonna take at least 6-7 years just like all the other vacant commercial property on this street. I watched it happen and it will happen again.

[@1ambrose100]

But my state is putting in windmills offshore to save us!

[@BrisLS1]

The state of Mania, like that.

[@goldismoney5899]

Ron's basement podcast has now gone from precious metals to promoting his own meme coin. I think I smell a top in this bubble. END THE FED. Gold IS money.

[@wallye8713]

Im old. Been in Real Estate game for over 40 years as builder developer contractor investor and service business owner. In my honest opinion, Real Estate is very local that said due to economic and financial conditions the poor conditions will spread further as opposed to the good news but again that will swing eventually.

[@NickPaul-k8z]

You ain't seen nothin yet😂😂😂

[@judithstapleton74]

Canada real estate centres have NO INDUSTRY! For example, what is the industry in Vancouver BC where you can't buy a doghouse for under a mil five! Ratty old green Monopoly houses sell for that much only because of the land! Developers collect 3-4 properties in a row and build an ugly 4-rise condo block All Over the City! But most people are in service industries. Hence, they pay over 40% of incomes in rent. Food costs are up by one third! Old people whose rent goes up because property taxes are insane and rising (10%), they have to move to a remote location, leaving their familiar trapline behind. It is crushing! The mayor of Vancouver is a developer, and has already agreed to a 15 minute city transformation. Centralized control IS the plan.

[@billdowney1487]

🎯

[@bpb5541]

Jessie, Jack, Melody !!!! Hell ya!!!!

[@kirks386]

Blackstone disapproves of this message!

[@deborahilyia1125]

Melody, Thank You! I am old and know you are telling the truth!

[@BP-1972]

Money market we have is 5%. That’s where we put all our cash for now.

[@jeromehaymaker5071]

It's obvious that Buffet is positioned to buy, after the crash. What crashes lowest of value worth buying afterward should be the big topic now.

[@Aries61]

Great to see Melanie and Jack on your channel! Happy New Year everyone! ❤🎉🍾🤙

[@anomaly2990]

Jack and Melody , 2 of my fave people.

[@faithsrvtrip8768]

I want higher interest rates! I love it when the bank pays me.

[@mpetty9947]

I'm waiting till we see 18% CD interest rates like we did in the 70's. If the US dollar looks stable.

[@Firehorse39]

Yeah!!! Melody and Jack! Beauty and the beast. Love and adore you both.

[@8675-__]

Money talks and B.S. walks. Make an offer even if it's low...they will counter offer back

[@goldismoney5899]

NO thanks to the cash. I will gold it in Gold.

[@BB-cr9ry]

And lose 50% in gold 2025!

[@PeteMitch69]

Shouldn’t this panel have Travis of Real Estate Mindset????

[@AB-ml9fm]

He's a better host than a guest, tbh. His technical knowledge is not at the same level. The more he learns, the better amount of particulars he will have answers for though.

[@PeteMitch69]

@ but he’s had a bankruptcy, foreclosure, repo, divorce and much much more of life experience.

[@AB-ml9fm]

@PeteMitch69 not claiming that doesn't give him some insight, but when it comes down to hard data and providing assessments of how that attributes to things unfolding, I think these two are at a higher caliber. He is a great host and lines up great questions to extract info from guests like these two, though

[@AB-ml9fm]

@PeteMitch69 I'm starting to wonder if you are actually him 🤔 😂

[@AB-ml9fm]

@PeteMitch69 hahaha

[@nellsgirl]

Love hearing from Melody!

[@banana-lakefishing6077]

I’ve just recently started getting Bitcoin ads on all of the finance KZbin channels out there. Not an exchange, or a mining company ad. A straight up buy Bitcoin ad. This is interesting.

[@Ttow49]

Half of the people i know are working 1 full time job, 1 part time job and 2 side hustles

[@christinanapolitano6837]

What a dynamic duo ❤️

[@WelcomeInc]

I love getting "expert" real estate insights from renters. 🙄

[@zwatwashdc]

If the stock market starts to struggle for a bit then prices may start to become realistic. But as stocks rise 20% per year all the rich boomers are happy to buy what they want at any price. Everything only goes up, right?

[@onfile]

What affordable housing crisis? The modern surf's and indentured servants of America will just have to get used to hot bedding the way sailors do on submarines. They will still own nothing and learn to deal with it.

[@faithsrvtrip8768]

Sounds like Dicken's London.

[@longgowhereto]

I am a Jack fan as he explains so understandable that aunt Frieda gets it. The lady is new for me and RBNB I do not know as I live free (no phone). I think, all what people do on phones are bubbles - but I have no idea what that might be.

[@briancutsinger]

Fantastic show once again Jesse! Melody and Jack are two of my favs from a parallel universe!🌞

[@tomdonovan4842]

Very informative, insightful interview

[@2023Red]

@Melony. My understanding as a retiree is not correct probably. If the real estate investor allows the bank to lend me the money to buy a home, and later that same investor gets into financial trouble, it seems to me the mortgage I signed is at risk of seizure because the real owner might be considered the real estate investor. Not me nor the bank. Moreover, if the lender is a regional bank then my mortgage is at a higher level of risk. What am I missing?

[@rnish2958]

Canada does not have 30 year mortgages. They have 3-5 year. Those who bought 3 years ago at 1-2 percent will have to refinance at 5-7%. Assume a 500K - 750K existing mortgage. People will have a $500 - $700 dollar (Canadian) monthly increase.

[@aaronturner2694]

Learning how to help families that will face foreclosure seems like a good way to go, commercial looks bad as well.

[@douglaslaw3752]

SOFR 30y Swap Rates have been compressing to very low levels. Lower long-term swap spreads mean lower for longer interest rates Jack. We live in a globally synchronized world on interest rates. Divergence happens from time to time, but expect long dated US Treasuries to resynchronize with the rest of world. We are not an island that is not affected by global trends. The value of the DXY should tell you that global dollar providers are becoming more risk adverse and that means the economy is shifting to a slow down.

[@bobburges3654]

If mortgage rates actually drop again then expect even MORE HYPERINFLATION in house prices!! Fake-ass ultra low manipulated interest rates for 23 years got us into this mess in the FIRST PLACE.

[@edreeves121]

Excellent information here. Happy new year.

[@vikramkhaira]

Its good to see all 3 together 👍

[@Trihardest]

I wish my last name was Gamble

[@marycollins8215]

Thank you.

[@brucegustafson8714]

Over $7.11 Trillion was added to the US stock market in 2024. Centralize much?

[@MatthewSmith-uf6tr]

How can anyone believe what any of these KZbinrs say when they’ve been saying the same thing since the pandemic. There isn’t a crash coming in the housing market. Prices are going up

[@onfile]

Great Duo for the interview.

[@ddprepper5227]

Excellent report 👍👍👍👍👍👍👍

[@jmwSeattle]

All generalizations.

[@danwebb755]

Any thoughts on North West Arkansas?

[@danielturner9832]

And NW Vermont. My son is waiting to buy.

[@deborahilyia1125]

Have you ever thought we do not make money! We just want to be okay! No gamble!

[@kn75667]

Great guests!

[@christinanapolitano6837]

When you have guest on, can you ease up on the commercials?

[@Almendoza-x3i]

Hoping for fast recovery

[@Ttow49]

Nobody can answer the question what changed in the country that saved it from 2008 except printed money?

[@bobburges3654]

Hopium and lying fake-ass economic numbers

[@vemmaguy1977]

2030, You Will Own Nothing and Be Happy! WEF

[@ZoomedOut2020]

Think doom..

[@pqtpat7734]

Dddddddooooommmmmer aka realist

[@xavierhucklenbruch1798]

But but Trump was going to solve all of this ?

[@garyculver4345]

Jesus Christ starts with a freaking commercial???

[@miniminamanmina3715]

Printing trillions to lend out will explode the housing market again. The dance that never ends.

[@bdek68]

It will not! Housing is unaffordable now which is why demand is so low! I’m assuming you can add?? Prices will crash over the next 2-3 years

[@miniminamanmina3715]

@@bdek68 Yes good assumption , my thoughts are not about how much up and down housing market will fluctuate , but the fact markets that are to big to fail in the new frequent bubble burst economic situations are bailed out so that if a down turn goes to far or happens it is artificially inflated . Holding virtual structures in place that stop market force fluctuations. That is the way it's done now.

[@chriscleland7008]

Sell rentals - Buy BTC will affect housing market in the near future.

[@kentuckycowboy7660]

❤❤❤

[@toygaremre8452]

Keep Just talking, bla bla bla.....Useless hosts and nonsense topics.

[@shakazulu3594]

Will mass deportation help bring housing costs down?

[@mpetty9947]

Yes, it will. 50 million illegals in the country leaving will open up a lot more residential real estate (even if they are living 12 people per house).

[@theautoman22]

So sad the host has the worst microphone.