Why Motivation Isn’t Enough in 2026

It’s a new year, and like most people, you probably started 2026 with big goals. Get in shape. Wake up earlier. Build better habits. Focus on your life, your health, and your future.

In this episode, I share why waking up early completely changed my life, how I built the discipline to stay consistent, and why it has almost nothing to do with mornings and everything to do with the night before.

This is not a hype or motivation episode. It is a real conversation about habits, discipline, mindset, and why most people fall off after a few weeks while others stay consistent for years.

In this episode, I talk about
Why most New Year motivation fades fast
Why waking up early is about structure, not willpower
How the night before determines your morning
Simple habits that make waking up early easier
Why discipline beats motivation every time
How to reset quickly after travel or setbacks
Learning to say no to protect your goals
Why consistency matters more than intensity

I also share how getting up early gave me something most people never get, uninterrupted time to think, plan, work, and take care of my mind and body before the rest of the world wakes up.

This routine may not be for everyone. You do not need to wake up at 3AM. But waking up earlier, creating alone time, and building discipline can change how you show up in every area of your life.

If you are serious about making 2026 different, this episode will help you rethink habits, discipline, and what it really takes to stay consistent.

In this 2026 outlook, I break down what I call the New Fed Era and what a new Federal Reserve Chair could mean for interest rates, housing, and the broader economy.

Many people are wondering whether 2026 brings a recession or whether the so called soft landing is actually happening. In this episode, we examine inflation trends, consumer confidence, labor data, and why housing prices may remain flat or dip slightly in certain markets rather than crash.

If you are a homebuyer, homeowner, real estate investor, or industry professional, this episode covers the critical economic and housing trends that will shape decision making in 2026.

In this episode, we discuss
How a new Fed Chair could change interest rate strategy
Why lower rates may not immediately trigger a housing boom
What recession probability data actually tells us
How consumer confidence and spending affect the economy
National versus local housing price expectations
What to expect for jobs, inflation, and affordability in 2026

The housing market in 2026 may look very different than most people expect. Understanding how the Federal Reserve communicates, how markets price expectations, and how policy shifts flow through real estate is essential for making informed decisions.

If you want clarity on where rates, housing, and the economy may be headed next, this episode breaks it down in plain English.

California ADU financing just changed in a big way, and if you are a homeowner or real estate investor, it is critical to understand how this actually works before making assumptions.

Fannie Mae has updated its guidelines to allow up to three ADUs on a single family property in California. However, this does not automatically mean higher loan limits or easy low down payment financing.

In this episode, I break down how these new ADU rules really work and what they mean in practice for homeowners, investors, and anyone planning an ADU project.

In this episode, we cover
How Fannie Mae is treating California ADUs
Why properties with multiple ADUs are still considered single family for loan limit purposes
What this means for conventional, FHA, and VA loans
The biggest issue most people will face with ADU properties, appraisals
Why working with the right lender matters more than ever

This is major news for California housing, ADU development, and long term affordability, but the real world details matter. Understanding the structure, zoning, loan limits, and appraisal risks can save you from costly mistakes.

If you are planning an ADU in California, buying a property with ADUs, or refinancing one, this episode will help you understand how to approach it the right way.

Want help structuring an ADU deal correctly?
Reach out to my team. We work with ADU financing every day across California.

The Fed just cut rates by 25 basis points — so why didn’t mortgage rates drop?

In this video, I break down what’s REALLY happening with the Fed and what it means for mortgage rates in 2026.

The Federal Reserve just announced a 25 basis point rate cut, but mortgage rates didn’t fall the way most people expected.

Why?

In this video, I break down:

* Why the Fed rate cut was already “baked in”

* Why mortgage rates don’t move the way people think

* What the Fed is REALLY watching right now (jobs, inflation, consumer pain)

* Why 2026 is the year that actually matters

* How rates could come down WITHOUT the Fed cutting

* What homeowners, buyers, and investors should prepare for next

If you’re wondering whether mortgage rates will drop, whether now is the right time to buy or refinance, or what the Fed’s next move could be, this video will give you clarity.

👇 QUESTIONS OR WANT HELP WITH A LOAN?

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Why I Wake Up at 3 AM And You Should Too! Let's discuss... Welcome back to another episode of Get in the Cashflow Game with K&K! Today, K is discussing the hot topic that crosses every potential homebuyer’s mind at least once a day: Why should we wake up at 3 AM? Join the Conversation: Have you been thinking about buying a house? What concerns do you have? Share your thoughts and questions in the comments below or contact us on social media. If you enjoyed this episode, please give it a thumbs up, subscribe to our channel, and share it with your friends! Also, let us know in the comments what topics you’d like us to cover in future episodes. Don't forget to follow us on social media for more updates and insights from the world of real estate. If you have questions or need advice on property management, reach out to us or Steve Welty directly. Your feedback is invaluable to us, so leave a comment below and join the conversation!

BOOK A CALL WITH KENNY: https://calendly.com/kennysimpson/ APPLY NOW and Work Directly with My Team: https://www.c2financialco.com/apply-now/ Sign Up For My Free Newsletter: https://lp.constantcontactpages.com/s... First-Time Homebuyer Guide: https://kennystore.my.canva.site/purc... More ways to connect with me 👇 I'm also on Instagram: @kennysimpson LinkedIn: / kenny-simpson-32210348 TikTok: / kennyb.simpson NMLS #310335 C2 Financial Corporation MLS #135622
#podcast #3am #earlybird #lifestyle #lifetips #tips #wakingupearly #lifechanging #lifetalk

Hey there! Kenny here and I'm excited for you to join us in this insightful episode of "Get in the Cashflow Game with K&K" as we sit down with Steve Welty from Good Life Property Management. Steve shares his journey in the property management industry, emphasizing the importance of balancing financial goals with personal values and time. We talk about the challenges and opportunities in the San Diego real estate market and discuss the impact of rent control. We also explore how to create a thriving business without sacrificing well-being. Whether you're an investor, a property owner, or just interested in real estate, this episode offers valuable insights and strategies to help you succeed. BOOK A CALL WITH KENNY: https://calendly.com/kennysimpson/ APPLY NOW and Work Directly with My Team: https://www.c2financialco.com/apply-now/ Sign Up For My Free Newsletter: https://lp.constantcontactpages.com/s... First-Time Homebuyer Guide: https://kennystore.my.canva.site/purc... More ways to connect with me 👇 I'm also on Instagram: @kennysimpson LinkedIn: / kenny-simpson-32210348 TikTok: / kennyb.simpson NMLS #310335 C2 Financial Corporation MLS #135622 If you enjoyed this episode, please give it a thumbs up, subscribe to our channel, and share it with your friends! Also, let us know in the comments what topics you’d like us to cover in future episodes. Don't forget to follow us on social media for more updates and insights from the world of real estate. If you have questions or need advice on property management, reach out to us or Steve Welty directly. Your feedback is invaluable to us, so leave a comment below and join the conversation! #investing #housingmarket #housingprices #propertymarket #stevewelty #kennysimpson #housing #housingmarket #money #housingloans #mortgagerates #mortgage #mortgagesecrets