Author: MyFinancialMind

If you’ve been camping out waiting for mortgage rates to drop below 6%, you might want to pack up that tent. Those sub-6% rates are looking about as likely as finding a unicorn in your backyard—nice to dream about, but probably not happening. Here’s the deal: Fannie Mae thinks rates will maybe inch down to… Read more

So here’s where we’re at: In just 50 days, ICE has arrested 32,809 people. That’s wild when you consider they made 33,242 arrests in all of fiscal year 2024. But here’s the thing that should make everyone pay attention, regardless of where you stand on immigration: this is about to mess with the economy in… Read more

Dave Ramsey has helped millions of Americans escape debt and build financial discipline. His no-nonsense approach to eliminating credit cards and living below your means deserves genuine praise. However, two fundamental flaws in his philosophy could seriously damage your long-term financial health: his wildly unrealistic 12% investment return assumptions and his backwards approach to emergency… Read more

Despite political rhetoric suggesting otherwise, tariffs represent one of the most regressive forms of taxation imposed on American consumers and businesses. The economic evidence is unequivocal: when the United States imposes tariffs on imported goods, it is American taxpayers—not foreign countries—who bear the financial burden through higher prices and reduced economic efficiency. The fundamental misconception… Read more

This anonymous blog offers an inside look at the financial services industry from a practitioner’s perspective. As a full-time wealth advisor who manages investments and provides financial planning services, I’ll share insights from both sides of the advisor-client relationship while examining the current economic landscape in the United States. Today’s political climate significantly impacts market… Read more