– Look for economic changes to increase national revenue, like energy sales. Hard to say what the affects will be on mortgage interest rates.

— The US owes 36 Trillion dollars in national debt, please hold our leaders accountable to reduce that number and be fiscally responsible. Yes it means tough discussions on what should be cut.

— Are the BRICS nations going to get off the Dollar and go to gold or a digital currency? It seems like those countries would not be able to organize themselves enough to do it, but they are sure trying hard to unseat the dollar. Firm but fair financial system management is critical.

— The jobs report is important. Please know when the gov puts out a report like “jobs”, there is a revision done a month or so later when they crunch the actual numbers. The press rarely reports the revisions, but that is the most accurate. I advise you to ignore the initial reports and ONLY look at the later revised reports for a more accurate view. They indicate part time, full time, or foreign born jobs, those are categories that matter. Lets see if we can recover jobs next year.

— In my view, everything is about to get better with a reduction in Federal involvement in everything, delineated to the states, and reduction in Fed spending I hope.

— Please say NO to Central Bank Digital Currency (CBDC) in any form (ie Fedcoin).

– Passive income from RE is a shield for most of this, whereas “flipping” and wholesaling can stop at any time.