Are you a real estate investor facing a capital gains tax event? Discover a powerful tax strategy that most people don't know about: Passive Activity Losses. This video reveals how you might be able to significantly reduce or even eliminate your capital gains tax burden when selling investment properties. We break down:- What a capital gain event is (0:06)- The little-known tax hack: Passive Activity Losses (0:18)- How this strategy can save you thousands in taxes- Key considerations for real estate investorsDon't let capital gains erode your profits! Watch now to learn how to keep more of your hard-earned money.Disclaimer: This video is for informational purposes only and not financial or tax advice. Consult with a qualified financial advisor or tax professional before making any financial decisions.⚠️ Always consult your CPA before making tax decisions.---------------------------------------If you're buying or refinancing a 1–4 unit property, my team and I can help.My name is Kenny Simpson and I've helped over 5,000 clients secure more than $1B in home loans.Learn more:https://thesimpsonteam.com---------------------------------------Subscribe for weekly real estate investing tips, mortgage strategies, and market insights.#CapitalGainsTax #RealEstateInvesting #TaxStrategies #PassiveActivityLoss #InvestmentProperty #TaxTips #WealthBuilding

Everything feels more expensive right now. Groceries, insurance, restaurants, rent, cars, travel, and everyday services all seem to cost dramatically more than they did just a few years ago. Many people are asking the same question: why did prices rise so quickly, and are they ever going to come back down?

In this episode, I break down the four biggest costs businesses are facing today and why those costs are being passed directly to consumers.

Labor, insurance, utilities, and rent have all surged since 2019. For many businesses, these four expenses alone can consume a massive portion of their revenue. When those core costs rise, businesses are forced to raise prices just to survive.

But the story doesn’t stop there.

We also look at how the pandemic, government stimulus, supply chain disruptions, and a surge in consumer spending created a massive economic “party.” Now, years later, consumers and businesses are dealing with the hangover as higher costs ripple through the economy.

In this episode we discuss how the rapid jump in prices over just a few years created a psychological shock for consumers, why many prices may not fall the way people expect, and what it may take for the economy to adjust moving forward.

If you’re wondering why a $5 burrito is now $15, why a dinner for four feels twice as expensive, or why affordability has become such a major issue across the country, this episode breaks down the underlying forces driving those changes.

When you apply for a mortgage and your credit is pulled, that data has historically been sold as a “trigger lead.”

That’s why many borrowers received dozens of calls within minutes.

Starting March 5:

• Credit bureaus can no longer sell trigger leads

• Your lender can still contact you

• Your current servicer may also reach out

The mass call flood should stop.

Just remember: online forms and third-party sites can still resell your information, so where you click still matters.

Current housing data suggests a move toward 5% could release pent-up demand. The setup: •162M+ Americans employed

•Five generations of buyers
•Inventory remains constrained
•Transaction volume has been rate-suppressed

If financing costs decline meaningfully, demand may re-engage.

How would your strategy change if that occurs?

Kevin Warsh has officially been nominated to replace Jerome Powell as Federal Reserve Chairman and the big question now is what this means for interest rates, mortgage rates, housing, and the broader economy.

In this episode, we cut through the political noise and focus on what actually matters for borrowers and investors.

I break down who Kevin Warsh is, his background at the Federal Reserve, and whether he is likely to lean more hawkish or dovish. More importantly, we discuss why the bond market reaction matters more than headlines and how the 10 year Treasury ultimately drives mortgage rates.

We also cover:

How jobs, inflation, and consumer spending will determine future rate cuts
Why small businesses are struggling despite strong economic data
The difference between Fed rate cuts and mortgage rate movements
Other policy levers that could bring mortgage rates down beyond the Fed
Why affordability not politics is the real issue heading into 2026

If you are a homebuyer, investor, homeowner, or self employed borrower, understanding how this leadership transition could impact rates is critical. Mortgage markets respond to data, confidence, and forward guidance not just announcements.

As we move deeper into 2026, the real drivers will be the labor market, consumer strength, inflation trends, and bond market belief. That is where the focus should be.

On the surface, the economy looks stable. The stock market is holding up, inflation appears under control, and official messaging says things are fine.

But when you talk directly with small business owners, especially in restaurants and hospitality, a very different reality emerges.

In this episode, I share real conversations with restaurant owners and operators and explain why this sector is already experiencing recession-like conditions, even if the headlines are not acknowledging it yet.

We discuss

Why most restaurants are barely breaking even or losing money
How rising labor, insurance, utilities, rent, and food costs destroyed margins
Why consumer spending is slowing even as prices remain high
How post-pandemic demand turned into a spending hangover
Why businesses can no longer raise prices without losing customers
What this reveals about small businesses beyond restaurants
Why this matters for housing, real estate, interest rates, and the broader economy
Why staying in neutral is risky and how rate cuts could change the outlook

Restaurant margins were always thin, and the combination of higher costs and softer demand has pushed many small businesses to the edge. This is not just a restaurant issue. It is a small business issue with broader economic consequences.

If you want to understand what is happening beneath the surface of the economy and why official narratives often miss early warning signs, this is an important conversation to hear.

2026 is starting with a bang.

Trump just announced a series of major housing, mortgage, and economic proposals, and some of them could have real implications for interest rates, affordability, and the housing market.

In this episode, I break down what was announced, what actually matters, and which ideas could realistically move mortgage rates versus what may remain political talk.

In this episode, we cover
A proposal to buy 200 billion dollars in mortgage backed securities and how that could push rates lower
A potential 10 percent cap on credit card interest rates and what it says about consumer stress
Efforts to limit large institutional investors from buying single family homes
New ADU financing ideas allowing up to four units and how this could impact housing supply
A new Federal Reserve Chair and why leadership changes matter for rate policy
Discussion around 50 year mortgages and transferable loans and whether they are realistic

Some of these proposals could be game changing. Others may face significant hurdles. Understanding the difference is critical for homebuyers, homeowners, investors, and industry professionals navigating the 2026 housing market.

If you want clarity on how these announcements could affect mortgage rates, housing affordability, and real estate decisions, this episode breaks it down in plain English.

Why Motivation Isn’t Enough in 2026

It’s a new year, and like most people, you probably started 2026 with big goals. Get in shape. Wake up earlier. Build better habits. Focus on your life, your health, and your future.

In this episode, I share why waking up early completely changed my life, how I built the discipline to stay consistent, and why it has almost nothing to do with mornings and everything to do with the night before.

This is not a hype or motivation episode. It is a real conversation about habits, discipline, mindset, and why most people fall off after a few weeks while others stay consistent for years.

In this episode, I talk about
Why most New Year motivation fades fast
Why waking up early is about structure, not willpower
How the night before determines your morning
Simple habits that make waking up early easier
Why discipline beats motivation every time
How to reset quickly after travel or setbacks
Learning to say no to protect your goals
Why consistency matters more than intensity

I also share how getting up early gave me something most people never get, uninterrupted time to think, plan, work, and take care of my mind and body before the rest of the world wakes up.

This routine may not be for everyone. You do not need to wake up at 3AM. But waking up earlier, creating alone time, and building discipline can change how you show up in every area of your life.

If you are serious about making 2026 different, this episode will help you rethink habits, discipline, and what it really takes to stay consistent.