KP Talks Dollars and Sense

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KP Talks Dollars and Sense

Kevin Peranio

202 episodes

2 days ago

Low Rates, Pent-Up Demand, and the Road to 2026 From Corona, California, KP checks in during the “Void” between Christmas and New Year’s to unpack why interest rates are entering 2026 at some of the lowest levels of the year—and why that matters more than most people realize. With short-term borrowing costs down, housing demand quietly building, and borrowers watching rates closely, this episode connects the dots between Fed policy, equity growth, and real-world movement in housing and mortg...

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Low Rates, Pent-Up Demand, and the Road to 2026 From Corona, California, KP checks in during the “Void” between Christmas and New Year’s to unpack why interest rates are entering 2026 at some of the lowest levels of the year—and why that matters more than most people realize. With short-term borrowing costs down, housing demand quietly building, and borrowers watching rates closely, this episode connects the dots between Fed policy, equity growth, and real-world movement in housing and mortg...

Show more...

Episodes (20/202)

KP Talks Dollars and Sense

Why Lower Rates Set Up a Strong 2026 Housing Market

Low Rates, Pent-Up Demand, and the Road to 2026 From Corona, California, KP checks in during the “Void” between Christmas and New Year’s to unpack why interest rates are entering 2026 at some of the lowest levels of the year—and why that matters more than most people realize. With short-term borrowing costs down, housing demand quietly building, and borrowers watching rates closely, this episode connects the dots between Fed policy, equity growth, and real-world movement in housing and mortg...

4 days ago

12 minutes

KP Talks Dollars and Sense

Why Bad Economic News Is Good for Housing

The Fed, Liquidity & The Slowdown Ahead: What’s Really Moving the Economy From Laguna Beach at the California Mortgage Bankers Association retreat, KP breaks down the major forces shaping today’s markets, from weakening labor data to the Fed’s tightening cycle and the growing need for more liquidity in the system. As quantitative tightening winds down and global central banks shift their stance, KP explains how the Fed’s balance sheet must grow with GDP, why the market continues to lead...

1 week ago

16 minutes

KP Talks Dollars and Sense

Jobs, Inflation & Rates Matter This Week

Labor, Inflation & Rates: Reading the Signals Into 2026 Live from Corona, California, KB breaks down a critical end-of-year data stretch and what it really means for the economy, mortgage rates, and the markets heading into 2026. With jobless claims rising, labor quietly softening, and inflation sending mixed signals, this episode cuts through the noise to explain how the Fed is weighing its true “tri-mandate” and why markets are stuck in a tug-of-war. KB dives into why headline jobs nu...

2 weeks ago

29 minutes

KP Talks Dollars and Sense

Mortgage Payments Are Dropping — Here’s What’s Next

The Fog Lifts: Fed Cuts, Falling Rates, and Mortgage Momentum From Corona, California, KP breaks down a pivotal Fed week where long-delayed data finally comes into focus. With inflation trending lower, labor showing signs of softening, and the Fed delivering a hawkish cut paired with a more dovish tone, this episode connects the dots between monetary policy, liquidity, and what it all means for mortgage rates, housing demand, and the road to 2026. KP dives deep into the “plumbing” of the ec...

3 weeks ago

31 minutes

KP Talks Dollars and Sense

What a Six Trillion Fed Balance Sheet Signals Now

The Fed, Liquidity & The Slowdown Ahead: What’s Really Moving the Economy From Laguna Beach at the California Mortgage Bankers Association retreat, KP breaks down the major forces shaping today’s markets — from weakening labor data to the Fed’s tightening cycle and the growing need for more liquidity in the system. As quantitative tightening winds down and global central banks shift their stance, KP explains how the Fed’s balance sheet must grow with GDP, why the market continues to lea...

1 month ago

20 minutes

KP Talks Dollars and Sense

Inside a $5M Culver City Build + Elon & Jensen on the Future of AI

Labor Softening, AI Shifts & KP’s Culver City Tour: What’s Really Going On in the Economy From Culver City rooftops to Corona commutes, KP breaks down the real signals in today’s market softening labor trends, elevated WARN notices, shifting consumer behavior, and what AI, automation, and monetary policy mean for the next phase of the economy and housing. As layoffs rise, rates hover near 4% on the 10-year, and small businesses feel the pinch, KP connects the dots between labor ri...

1 month ago

19 minutes

KP Talks Dollars and Sense

The Real Reason the Fed Needs to Cut Rates Again Soon

Jobs, Housing, and the Hawkish Cut Ahead From Southern California, KP breaks down a week where the data finally caught up to the story: a slowing labor market, cooling rents, and a Fed preparing to make its most important move yet. With the delayed jobs report showing rising unemployment and the December 10th meeting approaching, this episode connects the dots between labor softness, housing affordability, and why a hawkish rate cut might be the twist no one sees coming. KP also digs into t...

1 month ago

26 minutes

KP Talks Dollars and Sense

Social Security Cuts + 50-Year Mortgages? Here’s the Real Deal

Social Security Cuts, 50-Year Loans & Musk’s $1T Plan — What’s REALLY Going On From California to the heart of Manhattan, KP breaks down a chaotic week in markets, politics, housing, and the broader economy — all unfolding at the same time. Social Security’s looming insolvency, the controversy around 50-year mortgages, and Elon Musk’s trillion-dollar vision are shaking up conversations in Washington and on Wall Street. With layoffs rising, government data returning, Treasury auctions he...

1 month ago

22 minutes

KP Talks Dollars and Sense

AI Is Changing Everything, Even the Fed

AI, Rates & The Flow of Money: What’s Really Driving the Market From Denver to Dallas, KP goes behind the scenes at the Total Expert Customer Advisory Board and Accelerate Conference to unpack how AI, rates, and economic sentiment are reshaping housing, lending, and the broader economy. As the government shutdown drags on and the Fed debates its next move, KP breaks down how credit, labor, and technology all connect — from small business struggles to trillion-dollar AI investments. It’...

2 months ago

21 minutes

KP Talks Dollars and Sense

The Fed’s Playing with Fire: Soft Landing or Hidden Recession?

The Longest Game, the Softest Landing After the longest World Series game in history, America woke up to more than just baseball headlines. Freddie Freeman’s walk-off capped an unforgettable night — but the bigger story may be the economy’s own “extra innings.” With the Fed cutting rates again and inflation showing signs of cooling, KP breaks down how these shifts could spark a comeback for housing, stocks, and small business optimism. From the diamond to Wall Street, this week’s episode co...

2 months ago

30 minutes

KP Talks Dollars and Sense

CPI Could Shock the Market Tomorrow — Here’s Why It Matters

Shutdowns, CPI & The Market’s Balancing Act With the government shutdown freezing key data, all eyes are on Friday’s CPI report — the one number that could send markets swinging. Meanwhile, mortgage rates hit their lowest point in three years, tech stocks like Apple and Google are near all-time highs, and the Fed faces pressure to cut rates again. It’s a market caught between momentum and mayhem: falling rates vs. rising delinquencies, strong corporate earnings vs. labor strain, and an ...

2 months ago

9 minutes

KP Talks Dollars and Sense

Crypto Chaos: Leverage Triggers Crash

Blockchain, Markets & Global Trade Tensions From blockchain innovation to global trade spats, KP dives into the latest forces shaping the economy. Rare earth minerals, cryptocurrency liquidations, and weakening labor trends are impacting bond rates, mortgage activity, and the flow of money. Meanwhile, earnings season kicks off, housing and refinancing activity shift, and geopolitical events add uncertainty to markets. It’s a week of push-and-pull forces: low rates vs. market volatility,...

2 months ago

18 minutes

KP Talks Dollars and Sense

$11 Billion Lost in the Shutdown

$11 Billion Lost in the Shutdown A government shutdown that cost the U.S. economy $11 billion — with $3 billion gone for good — has ripple effects reaching far beyond Washington. From delayed federal data to frozen loans and rising uncertainty, KP unpacks how this political standoff is shaping markets, rates, and Main Street. But it’s not all bad news: while the Fed faces new limits, credit and mortgage activity are heating up, and small businesses are showing the resilience that keeps Amer...

2 months ago

14 minutes

KP Talks Dollars and Sense

Markets on Edge: Jobs, Shutdowns, and Sticky Inflation

Government Shutdown, Jobs Week & Sticky Inflation A possible government shutdown could delay key economic reports, leaving us guessing on the health of the labor market. Meanwhile, mortgage rates remain low, home sales are slowly stabilizing, and refinancing activity is picking up — but labor and inflation trends could shift everything. It’s a week of push-and-pull forces: government uncertainty vs. economic data, low rates vs. sticky inflation, housing equity vs. credit costs, and Fed ...

3 months ago

22 minutes

KP Talks Dollars and Sense

Rates Are Falling, But Are Jobs Next?

Falling Rates, Rising Risks & The Jobs Question Rates are coming down — giving small businesses cheaper money and sparking refinancing momentum. But with labor reports on deck, the big question is: will hiring follow, or will the Fed tap the brakes again? It’s an economy full of push-and-pull forces: falling mortgage rates vs. sticky inflation, small business strength vs. labor market uncertainty, and Fed easing vs. the risk of doing too much, too soon. From Charleston insights a...

3 months ago

25 minutes

KP Talks Dollars and Sense

Fed Week Showdown: Will Rates Rise or Fall Next?

💥 Fed Week Showdown — Will Rates Rise or Fall Next? It’s decision time for the Fed. Will rates push higher, hold steady, or finally break lower? Labor is softening, inflation is cooling, and the market is bracing for surprises. This year looks nothing like last year: weak jobs data, softer inflation, and refinances leading the way. But the dot plot, Q&A, and “buy the rumor, sell the news” effect could change everything. 📊 Mortgage rates, debt consolidation, tech’s AI race, and consumer...

3 months ago

18 minutes

KP Talks Dollars and Sense

Why Labor Data Could Matter More Than Inflation Reports

💥 Jobs Vanish, Rates Drop, and the Fed’s Next Big Move Nearly a million jobs have quietly been erased in the latest QCEW report, signaling a labor market that’s far weaker than headline numbers suggest. At the same time, mortgage rates are improving, inflation is still sticky, and the Fed is stuck balancing hot CPI prints with cold labor data. It’s the ultimate tug of war: shrinking money supply vs. wage pressure, soft small businesses vs. corporate giants, and a housing market sudden...

3 months ago

18 minutes

KP Talks Dollars and Sense

Jobs Data, Rate Cuts & Why Energy Stays Cheap

📉 Jobs Data, Rate Cuts & Why Energy Stays Cheap The September market correction may be brewing, but with $7 trillion in cash on the sidelines, investors are waiting for the right moment to jump back in. All eyes are on jobs data, Fed policy, and why energy costs remain unusually low despite global uncertainty. It’s a balancing act: softening labor vs. sticky wages, looming rate cuts vs. long-term inflation risks, and market corrections vs. AI-driven growth. 📊 From housing affordability...

4 months ago

19 minutes

KP Talks Dollars and Sense

Fed Cuts Rates Again: How Mortgage Costs Could Shift Fast

💰 Liquidity Flows, Rate Cuts & The Future of Housing Markets are shifting fast as liquidity tightens, the Fed debates rate cuts, and housing demand battles affordability challenges. From consumer spending resilience to labor market soft spots, KP unpacks the contradictions shaping the economy right now. It’s a landscape of contrasts: strong balance sheets vs. softening jobs, rising CapEx in AI vs. slowing global trade, and mortgage momentum vs. inflation pressure. 📊 With Jackson Hole a...

4 months ago

27 minutes

KP Talks Dollars and Sense

Jerome Powell Looks Sad as Markets Brace for Cuts

⚖️ One Fed Seat, Big Market Moves The Fed’s independence is being tested as political pressure collides with economic reality. With one governor out, the balance of the board could tilt dovish — and markets are already pricing in not just a September cut, but more to follow. It’s a clash of forces: falling Treasury yields vs. rising inflation risks, job market soft spots vs. political shifts, and short-term expectations vs. long-term credibility. 📊 From bond markets to housing, and from in...

4 months ago

30 minutes