In this week's episode of the *Live by Design* podcast our hosts discuss the challenges and strategies of homeownership and real estate investing, with a particular focus on refinancing and managing fluctuating interest rates. They caution against making financial decisions based on speculative interest rate drops, as this is considered too risky for both investors and homeowners.

The conversation delves into how external factors such as the economy, inflation, employment rates, and geopolitical events can influence interest rates. Our hosts express skepticism about relying on interest rate fluctuations and encourage listeners to focus on financial readiness when buying property, rather than trying to time the market. They also reflect on the 2008 financial crisis, warning against over-leveraging and betting on market trends, which led many to lose everything during that period.

Since we are based in California, our hosts discuss the growing challenges of homeownership, particularly in high-cost areas like California, where insurance costs, fire risks, and rising interest rates are making it increasingly difficult for average working people to sustain their homes.

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