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The Federal Reserve just warned every American with a credit card, and it did it quietly, in the notes from its September meeting: most of the people who run the Fed expect to raise rates again before the year is over. Matt walks through why the man doing the raising, Fed Chair Kevin Warsh, is the same man President Trump picked because he expected him to cut, and why Trump is blaming the rest of the board instead. Then he splits your money into two piles. The hurt pile is anything with a rate that can change: a credit card averaging 22.36%, a home equity line of credit, and an adjustable rate mortgage, with about 74,000 seven-year ARMs from 2020 hitting their first reset next year. The help pile is anything fixed, plus savings, where the FDIC's national average actually fell from 0.38% to 0.37% the month the Fed raised rates, while the big banks pay 0.01%. Matt gives the three things to check before October 28th. Then he turns to the most boring piece of mail a Medicare member gets all year, the Annual Notice of Change, and the five changes hiding in it before the December 7th deadline: the premium, a maximum out-of-pocket ceiling that just went up $600 to $9,850, a drug deductible that rose to $700, plans that are ending altogether (Humana's exits alone affect about 600,000 people), and doctors and drugs that quietly drop out of your plan. He explains the special window and the guaranteed Medigap right most people never hear about, and the free way to compare every plan at once. Links Matt mentions in the episode: Free Medicare plan review with Chapter (sponsor) -> https://auditmycoverage.com Medicare's Plan Finder -> https://www.medicare.gov

Jeanine Pirro, the top federal prosecutor in Washington, says every American with a retirement account is "in the blast radius," and Matt starts by walking through the con she's chasing. It begins with a friendly wrong-number text, turns into weeks of chatting, and ends on a fake brokerage site that even lets you pull money out so you'll trust it. Then come the fake "taxes" to release your balance, and finally the fake law firms and fake FBI agents offering to get your money back for a fee. Pirro says the Telegram marketplace selling these fake sites has more than 650,000 users, and the FBI has warned more than 8,100 victims, most of whom didn't know they'd been taken. Matt gives three checks before you ever send a dollar (the person, who receives the transfer, and any demand for a fee) and exactly what to do if you've already wired money. Then he turns to November 4th, the morning after the midterms, and the new lawmakers who want to rewrite your property rights: a rent freeze in New York City, rent and eviction limits spreading through California, Oregon, Washington, New York, and New Jersey, a "tax the rich" letter that landed at nearly 6,000 people's primary homes, and a Democratic Socialists of America platform that calls for replacing the private housing market. He closes with the federal one that touches every homeowner: the tax break on selling your home hasn't been raised since 1997, and the simple steps to check your exemption and run your numbers before anyone else does. Links Matt mentions in the episode: Report online fraud to the FBI's Internet Crime Complaint Center -> https://www.ic3.gov Keep your name off your deed with an anonymity trust -> https://hidemyequity.com Coveron (sponsor) -> https://coveron.com/epicrealestate

Mortgage rates just jumped to 7.28% on a 30-year loan, the highest in almost three years, and Freddie Mac still called conditions "favorable." Matt starts by putting a price on it: on a $400,000 loan, that's about $250 a month more than last year's rate, roughly $3,000 a year your buyer has to find somewhere, and it comes back to you through the offer. He explains the standoff holding prices up (owners with cheap old mortgages refusing to move), what happened the last time this played out in 2022 and 2023, and why you should price your next move before you count on your sale. Then he digs into the "home equity investment," the no-payment, no-interest cash deal showing up in mailboxes and online, and why Wall Street money is pouring into it. Lawsuits from AARP's lawyers and the Massachusetts Attorney General say these deals are loans in disguise: one 80-year-old took $97,256 and owed nearly $375,000, and one lawsuit puts the real rate at about 34% a year. Matt explains why a paid-off house sits at the top of their list, how the bill can land on your kids, and the simple checks that keep your equity yours: search your county records, get every number in writing, and stack it against a regular loan.   Links Matt mentions in the episode:   Keep your name off your deed with an anonymity trust -> https://hidemyequity.com Get a free credit evaluation from Creative Credit Solutions (sponsor) -> https://creative.credit

The Fed just raised rates for the first time since 2023, and your savings account still pays about 0.38%. Matt starts with the exact amount you should keep in the bank: six months of essentials if you're working, about a year if you're retired. Then he gives five reasons the pile above that line is costing you money. At 0.38% and 3.4% inflation, $100,000 in savings earns $380 and loses $3,400 a year in buying power. The big banks buy 4% Treasury bills with that same money and keep the difference. FDIC insurance covers banks but not the apps sitting in the middle. And when a fraudster gets one phone call through, a bigger pile means a bigger loss. He closes with how he positions his own money for both a "collapse up" and a "collapse down." Then he walks through five ways a house gets taken without a single missed mortgage payment, and why a paid-off house is first in line: a forged or signed-away deed, an identity thief opening a home equity line in your name, HOA liens and foreclosures, an insurance bill that gets dropped, and the "equity partner" offer that can turn $97,000 into a $375,000 payoff. Each one comes with a free defense you can set up this weekend. Links Matt mentions in the episode:   Get a free credit evaluation from Creative Credit Solutions (sponsor) -> https://creative.credit Check that the bank behind your app is real and insured with BankFind -> https://FDIC.gov Affordable legal protection for homeowners and landlords (sponsor) -> https://bullyproofmylife.com

Your bank makes the most money off the customer who never checks, so Matt walks through 10 things about how banks actually work: the two-day fraud clock, the "safe account" scam, the courtesy fee that works out to more than 7,900% interest, and the report that can quietly lock you out of opening a new account. See the three high-yield banks Matt moved his cash to -> https://StackMyBanks.com

Two big stories this week, both aimed at the same person -- the paid-off, retired-or-almost-there homeowner who did everything right. First, the new Fed Chair used his first Jackson Hole speech to tell the country inflation is still too high, and three days earlier another Fed governor said the reckoning on the $40 trillion debt is coming but nobody can tell you when. Matt walks through the four things an economy can do (prosperity, deflation, recession, inflation), why the math on the debt makes inflation the one to plan around, and the post-WWII "financial repression" playbook that quietly paid the last big debt down out of savers' accounts. Then he lays out the household as its own small economy -- reserve, assets that hold value, income that can raise its price -- and shows on paper how the same $100,000 of equity can be put to work in three places without selling anything. Second, everyone's saying the IRS is falling apart. It lost 28,000 employees in a year, audit revenue dropped 35%, and audits of people making over $400K are down 26%. Matt read the Inspector General's August 26th report so you don't have to and explains why the humans left but the collection machine didn't -- the part that files a Notice of Federal Tax Lien against your house in the same public record as your deed. In fiscal 2025 the IRS filed more than 214,000 of them, up 36% from 2022, and still only about halfway back to pre-COVID levels. He walks through the three moves that matter: the one form that puts a human being back in your file (12153), how to get a lien withdrawn instead of just released, and the 10-minute check you can run on your own county recorder this week.

Two segments this week, one theme: the systems that quietly collect from you and the two-minute checks that stop them.  First, Matt walks off 15 years at Chase after a balance-chasing incident cost him his business credit lines overnight, and lays out the real math on big-bank savings (Chase's parent cleared $58 billion in profit last year -- your cut on $10,000 was $1). He also opens the hood on the FDIC insurance fund itself, which holds about a penny and a half for every dollar it covers. Second, a US Senator just put real numbers on the surveillance grid built around American homeowners: 120,000 cameras across 49 states, 20 billion scans a month, Congress never authorized any of it. HOAs are leasing license plate cameras out of your dues, your doorbell company just quietly reconnected to law enforcement through a partner, and AI-powered aerial imagery is flying over your roof looking for taxable additions your county doesn't have on file. One in five recent buyers walks out of showings over recording devices, which means this is a home equity story, too. Links Matt mentions in the episode: Verify any bank is real and insured in two minutes with FDIC BankFind -> FDIC.gov The three high-yield savings banks Matt actually uses (all FDIC-insured, all paying hundreds of times what Chase pays) -> StackMyBanks.com

This week's episode is one long lesson in the same idea from two different angles: your name is the target. First, Matt walks through the FBI's warning that paid-off homes are being stolen with a $42 fake deed at the county recorder's office. Robin Mobley in Dayton, Ohio won her house back in court and she's still not the owner on paper. The county is a filing cabinet, not a bouncer, and the recorder is not allowed to check ID. Second, Matt reads the socialist-movement platforms out loud -- more than 30 primary wins this summer -- and pulls out the five assets they've already said they're coming for: rental property, second homes, savings and investments, your paycheck, and the house you plan to leave your kids. New York's mayor already published a list of 950,000 residences with names and addresses attached. This isn't a prediction; it's a reading. Links Matt mentions in the episode: Put your title in a trust so the recorder shows a boring entity name, not yours -> HideMyEquity.com Cut off the data brokers that sell the identity kit thieves need to file a fake deed -> Cloaked (link in Matt's video description)

This week Matt lays out the two ways your wealth quietly leaves you -- one loud, one silent. First, the loud one: the five specific assets governments target when the tax base cracks (bank accounts, safe deposit boxes, paid-off homes, retirement accounts, exchange-held crypto) and the "ghost protocols" Matt uses to make sure that when they come knocking, nobody's home. Then the silent one: a Florida realtor told 300,000 people the exact month home prices would bottom out -- February 2027 -- and eight months in, the prediction is technically alive but bleeding from a place he never put on the screen. Matt checks in on the 18-year land cycle, Fred Harrison's own updated call, and the one gauge that shows the value of the average American home has now fallen for 11 straight months even as sale prices set records. Links Matt mentions in the episode: Audit where your home and savings are exposed to seizure -> ProtectMyHome.inc Set up 0% fallback credit lines outside your primary bank -> FallbackFunds.com Check whether you're overpaying your property tax assessment -> FightMyAssessment.com Put your title in a land trust and disappear the equity -> HideMyEquity.com

This week Matt pulls back the curtain on two things nobody's telling everyday homeowners. First, the government's new debt plan and what that means for your mortgage payment. Then, the $250,000 home sale exemption Congress wrote in 1997 and has quietly let inflation gut ever since, on track to hit seven out of ten American homes by 2035, plus the five moves you can still make before you list. If you own a home, this is the kind of episode you replay for your spouse.

This week Matt walks through two of the most overlooked money moves a homeowner can make in 2026 -- and both cost nothing to run. First, why refinancing is dead for most people right now and what to say when you call your servicer about a recast instead. Second, why that plain white envelope from your county assessor arriving in August is quietly the most expensive piece of mail you'll get all year, and the exact play to knock your property tax bill down before the deadline. If you own a home, listen before your next mortgage payment or that envelope hits the trash. URL mentioned in this episode: fightmyassessment.com

This week Matt walks through the two documents every homeowner needs to pull off their county recorder's website tonight. First, the five specific kinds of houses that have effectively stopped selling in 2026 -- the memory-priced home, the fixer, the flood-zone house, the un-warrantable condo, and the well-kept resale sitting next to a builder with a rate buy-down -- and the K-shaped market that's rewarding certainty and punishing anything with a second bill on top of the mortgage. Then he unpacks the two-word lawsuit -- quiet title -- that homeowners are quietly using to erase dead liens, zombie mortgages, and even fraud from their titles before a closing table forces the issue. The whole to-do list runs about half an hour and costs nothing. No spoken URLs this week, but the county recorder's website is the one link that matters.

De-dollarization has started — and millionaire attorney Jaspreet Singh (Minority Mindset) opened his actual portfolio to show exactly where his money is moving. Only 2% gold. Half in one asset class. In this interview, we break down his full portfolio allocation, the three macroeconomic shifts moving capital right now, and why the U.S. tax code rewards investors and punishes employees. Jaspreet studied the tax law as a licensed attorney and never worked a day as a lawyer. Here he explains the three laws of money nobody taught you in school, why he told the author of Rich Dad Poor Dad that all debt is bad debt, how the same $1 million can be taxed at 50%, 20%, or 0% depending on how you earn it, and how everyday investors can use asset protection, cash flow, and financial education to defend their money while the dollar loses ground. BUT BEFORE THAT, the Supreme Court just ruled 9-0 in Pung v. Isabella County — and it changed what a county tax foreclosure can cost you. A Michigan family fought their property tax bill and won twice. The county sold their $194,400 home at auction for $76,008 anyway. In this video: exactly what the Court decided, why being on your county's delinquent tax list just got more dangerous, and the three moves every homeowner should make tonight — check your tax balance, verify your homestead exemption, and protect your appeal rights before the collection clock runs out. This is homeowner asset protection at its most basic: if your home is paid off, no bank is watching that tax bill for you. Run your address.

This week Matt walks through the two-word difference on your deed that decides whether your spouse inherits the house free and clear or gets dragged into probate court -- a fix that costs nothing and takes ten minutes at the kitchen table. Then he unpacks the flip nobody's covering: the new Fed chair, Kevin Warsh, promising price stability with his mouth while quietly swapping to a friendlier inflation gauge that trims out the prices you actually pay. Matt lays out both branches of the story, why fixed-rate homeowners still win either way, and the one date to circle on your calendar. Where Matt sends people for the trust setup: protectwhatsmine.com. Where the crypto IRA piece lives: epicrealcrypto.com.

Matt argues states are building "toll booths" to capture homeowner equity on the way out, often under softer names, and walks through five examples: New Jersey's 10.75% gain/2% sale-price withholding on nonresident home sales; Massachusetts' 4% "Fair Share" surtax over $1M that can hit one-time home-sale gains and has raised $5.7B since 2022; Washington's newly signed 9.9% tax over $1M starting 2028 that he says can reach former residents; California's proposed 2026 Billionaire Tax Act with a retroactive measurement date and constitutional changes enabling future wealth taxes; and a New York City proposal to cut the estate-tax exemption to $750k and raise the top rate to 50%. He also covers a unanimous Supreme Court ruling involving a Michigan tax foreclosure where a $194,400 home sold for $76,008 over a $2,242 bill, with compensation tied to auction price, and urges viewers to verify property taxes are paid and review assessed value.