What's Your 1 More?

Is Your $2,000 Monthly Rent Actually Costing You $400,000 in Net Worth? In episode 218 we explain why the average homebuyer age has jumped from 33 to 38 years old. Through data and market analysis, Quinton challenges the popular narrative that renting is the more economical choice, presenting statistics about the wealth gap between homeowners and renters. Quinton breaks down the connection between...

Why Are Foreclosure Rates at Historic Lows Despite Rising Credit Card Debt? Quinton Harris analyzes the latest New York Fed report, challenging popular misconceptions about an impending foreclosure crisis. He presents data showing foreclosure rates at historic lows while examining the concerning trends in consumer credit markets, particularly the trillion-dollar credit card debt predominantly affe...

Can 5% Interest Rates Unlock the Housing Market's Demand?   In episode 216, Quinton Harris dives deep into the disconnect between improving consumer sentiment and actual buying behavior in today's housing market. Drawing from Fannie Mae's latest consumer home price sentiment index, he explores why despite reaching a two-year high in positive sentiment, only 20% of surveyed consumers are ready...

Will the Fed's 200 Basis Point Rate Cut Change the Housing Market in 2025? In episode 215, Quinton Harris shares a comprehensive analysis of the Federal Reserve's recent meeting and its implications for future rate cuts. He examines Powell's acknowledgment of the 3-month and 6-month core PCE as key metrics, suggesting a shift toward a more neutral monetary policy stance that could lead to nearly 2...

Will Trump's Economic Policies Lead to a New Housing Market Boom in 2024? In episode 214, Quinton Harris shares a detailed analysis of how Trump's election victory could reshape the housing market and monetary policy landscape. The episode explores the immediate market reactions to the election results, including surges in stock markets and crypto, while examining the potential impacts on bonds an...

Will Trump's Economic Vision and New Cabinet Choices Reshape America's Future? In episode 213, Quinton Harris and Lenny Curry dive deep into the post-election analysis of Trump's historic victory, examining the key factors that influenced voters' decisions. The hosts break down how economic concerns, including inflation and housing market challenges, played a crucial role in shaping the election o...

With a 95% Chance of Fed Rate Cut, Should You Wait to Buy or Refinance Your Home? In episode 212, Quinton Harris shares a comprehensive analysis of the upcoming Federal Reserve meeting and its implications for mortgage rates. Here we examine the Fed funds rate history, JOLTS reports, and employment data, Quinton explains why a quarter-point rate cut is virtually guaranteed and what this means for...

Will Your Vote Actually Make a Difference This Election Day? In episode 211, Quinton Harris and former Mayor Lenny Curry share their personal experiences of taking their family to vote. This conversation explores the importance of civic duty, family values, and the perspective of watching the next generation engage in the democratic process, particularly during a significant election year with cru...

Why Are Distressed Sellers and Inventory Waves Critical for a Housing Crash? In episode 210, Quinton Harris dives deep into the essential components needed for a housing market crash, focusing on two critical elements: distressed sellers and waves of inventory. Through detailed analysis of foreclosure data, bankruptcy trends, and current market conditions, this episode provides concrete evidence w...

Why Haven't Real Estate Prices Crashed Despite Rising Mortgage Rates? In episode 209, we tackle one of the most debated topics in today's real estate market: why housing prices continue to rise despite increasing mortgage rates. With a deep dive into 13 years of market data from 2012 to 2024, this episode systematically debunks the popular social media narratives predicting a housing market crash...

What’s really freezing the housing market, and how does it impact you? In episode 208, we dive deep into the concept of "frozen homes" and the impact this trend is having on today's housing market. With affordability at an all-time low and inventory still tight, homeowners are finding themselves locked in—unable to sell their homes due to rising costs and low-interest mortgages. Quinton explores w...

Is your insurance costing more than it should? In episode 207, your host Quinton Harris talks about the pressing issue of rising insurance premiums and shares practical strategies for home buyers to reduce their costs. From homeowner’s insurance in Florida to the impacts of wildfires in California, Quinton explores how climate risks are driving insurance rates up and what buyers can do to navigate...

Is the Fed's rate cut addiction setting us up for sub-5% mortgage rates? In episode 206, host Quinton Harris dives deep into the recent CPI and PPI reports, talking about their implications for the economy and future Fed decisions. Quinton breaks down the interplay between inflation metrics, job market data, and the Federal Reserve's monetary policy, offering you a clear picture of what's really d...

Will the Federal Reserve's next move be influenced by the questionable BLS jobs report?   In episode 205, we dive deep into the latest Bureau of Labor Statistics (BLS) jobs report, uncovering the numbers that could significantly impact the Federal Reserve's decision-making process. Quinton analyzes the surprising surge in government jobs, the discrepancy between reported and calculated unempl...

Is the U.S. economy on the brink of recession, and what can presidential candidates do about it?   In episode 204, we dive deep into the current state of the U.S. economy and the potential policies that could shape its future. Quinton Harris and Lenny Curry analyze the recent economic proposals from both sides of the political aisle, including fixed grocery prices and credit card interest rat...

Is a port strike about to cripple the US economy? Today we are going to analyze the looming threat of a port strike on the East Coast and its potential to send shockwaves through the US economy. In episode 203, we talk about the demands of the International Longshoremen's Association (ILA), including their call for a staggering 77% pay increase, and explore the deeper issues at play, such as the f...

In Episode 202, we dive into the latest trends in the U.S. housing market, focusing on the surge in mortgage demand and its implications. Together, we analyze recent data from the Mortgage Bankers Association (MBA) Index, revealing five consecutive weeks of increased purchase demand. The episode explores the significance of this trend, as 2024 mortgage applications surpass 2023 levels for the firs...

In Episode 201, we analyze the U.S. housing market, addressing concerns about a potential bubble and debunking common misconceptions. Drawing from newly released home equity data and demographic studies. Quinton presents statistics, including the $17.6 trillion in U.S. home equity and the fact that 99% of homeowners have positive equity. The episode explores homeownership rates across different ge...

In Episode 200, host Quinton Harris welcomes Phil M. Jones, bestselling author and sales expert, to discuss the changing landscape of real estate, effective communication strategies, and the future of the industry. This conversation explores Phil's journey from a bet-inspired book to becoming a leading voice in sales and persuasion. Phil shares valuable insights into creating long-term client rela...

We wanted to take a moment to update you on the recent Federal Reserve meeting and how it could impact your mortgage and financial planning. What Happened at the Fed Meeting? During their recent meeting, the Federal Reserve (often referred to as "the Fed") reviewed the current economic landscape, including factors such as inflation, employment rates, and overall economic growth. The Fed decreased...

In Episode 198, host Quinton Harris and co-host Lenny Curry welcome Tom McManus, former middle linebacker for the Jacksonville Jaguars and current TV personality. This engaging conversation explores Tom's journey from professional football to becoming a multi-faceted entrepreneur and creator. Tom shares insights into his post-NFL career, including his work as a TV host, podcast creator, and aspiri...

In Episode 197, host Quinton Harris and co-host Lenny Curry offer a breakdown of the recent Trump vs. Kamala Harris debate. Drawing from Lenny's political experience, they provide insights into the high-pressure world of televised debates and the strategies employed by both candidates. The duo doesn't pull punches as they discuss the debate's shortcomings, particularly the lack of focus on critica...

What will it take for mortgage rates to drop below 6%? In episode 196, we explore the concept of "the drive for five" and its potential impact on the housing market. We analyze recent survey results showing that 42% of prospective buyers are ready to enter the market when rates hit 5%. Learn about the pent-up demand of 4.2 to 4.7 million potential homebuyers who have been waiting on the sidelines,...

Why is the job market suddenly the Federal Reserve's main focus? Episode 195, dives deep into the latest labor market data and its potential impact on mortgage rates. We explore the surprising softening in employment numbers across multiple reports, explaining how these shifts could influence the Fed's upcoming rate decision. Learn which economic indicators are pointing towards a possible 50 basis...

What does it take to transition from a drummer to a rock band's frontman? Bobby Amaru, lead singer of Saliva, shares his incredible journey from a young musician in Jacksonville to becoming the voice of a renowned rock band. Amaru recounts his early days of self-taught practice, the challenges of joining an established band, and the dedication that led him to reinvent Saliva's sound. He offers a r...