In this episode of Money Moves, Matty and Ryan break down a turbulent but opportunity-filled moment in the economy as investors await the next major Fed rate cut. With markets already pricing in a 90%+ chance of a reduction, the duo unpacks what investors should realistically expect—and what could derail sentiment.

They then dive deep into new hiring and layoff data showing the softening job market, the incoming liquidity boost from the Fed’s $45B in monthly debt repurchases, and how monetary easing aligns with the incoming 2026 Fed chair.

The conversation takes a sharp turn into tariff reversals, with the Supreme Court positioned to strike down Trump-era tariffs. The guys explore how this could reshape inflation, fiscal flows, and market predictability.

Next, they tackle Bitcoin and the broader crypto market—from institutional adoption to the fierce volatility defining this cycle. They revisit bold 2025 Bitcoin predictions from major analysts and compare them to today’s real market performance.

Finally, the episode wraps with a major focus on real estate: a growing buyer’s market, rising delistings, longer DOMs, and why homeowners may be forced to sell in 2026 as taxes, insurance, and debt burdens escalate. Matty and Ryan discuss why these shifts could create some of the best buying opportunities of the decade.

Topics Covered:

• Rate cut expectations and the market impact if the Fed surprises
• Job cuts, slowing hiring, and weakening corporate labor demand
• Fed buying back $45B monthly in debt starting next month
• Early 2026 expectations under the incoming Fed chair
• Supreme Court likelihood of reversing Trump-era tariffs
• Impact of tariff removal on inflation, growth, and fiscal revenue
• State of crypto adoption, volatility, and institutional expansion
• Reviewing 2025 Bitcoin price predictions vs. reality
• Are we in a crypto bear market?
• The emergence of a new buyer's market in real estate
• Delistings surging and days-on-market stretching above 100+ days
• Mortgage and rent cost reversal and what it means for 2026 supply
• Real estate investor strategy in volatile markets

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In this episode of Money Moves, Matty and Ryan break down a packed week of market-moving headlines—starting with record-shattering Black Friday sales, a bold political push to abolish income tax, and new data showing foreclosures beginning to rise across the country.

They unpack the implications of $11.8 billion in online Black Friday spending, surging Buy Now Pay Later adoption, and what consumer behavior tells us about the strength—or vulnerability—of the American household heading into 2026.

The conversation then pivots to Trump’s increasingly vocal proposal to eliminate income tax and what that could actually look like when you follow the money. Ryan outlines where revenue would realistically come from, the role tariffs might play, and why high-income earners are unlikely to escape the taxman entirely.

Finally, they dive into the early warning signs in real estate: a 20% surge in foreclosures, rising household debt, declining home values in more than half the country, and why builders and contractors are suddenly slowing down after three years of nonstop demand.

From macro data to mindset, policy to portfolio strategy, this episode gives you a blunt, unfiltered look at what’s really happening—and how to position yourself for what comes next.

Topics Covered:

• Record-breaking Black Friday and weekend sales
• Surging Buy Now Pay Later usage among younger and higher-income consumers
• Market outlook and the potential Santa Claus rally
• Quantitative tightening ending and what QE/QT shifts mean for investors
• Rising credit card usage and cracks in the consumer debt cycle
• Trump’s push to abolish income tax and the realistic feasibility
• Tariffs, flat sales tax, and alternate revenue models
• Institutional crypto adoption and Vanguard’s ETF reversal
• Foreclosures up 20% and household debt hitting new records
• Home price declines vs. rising median sale price
• Contractors and builders slowing as demand shows early signs of cooling
• Housing affordability outlook heading into 2026
• AI valuations, Anthropic’s IPO plans, and future Fed chair speculation

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In this Thanksgiving-week episode of Money Moves, Matty and Ryan break down the short trading week, early retail numbers, and the critical role the holiday consumer will play in determining whether the market surges to new all-time highs—or whether we’ve already topped out.

They dive into the early indicators: in-store bodies, doorbuster traffic, Black Friday predictions, technical market strength, and the shifting probability of a December rate cut. Ryan explains why current technicals are flashing a “strong buy,” why oscillators are turning bullish, and how recent market dips gave disciplined investors an opportunity to position ahead of a potential Santa Claus rally.

The conversation expands into consumer spending strength, housing affordability, rising delinquencies, the impact of mortgage rates, food inflation, credit card debt, and broader macro risks that could either support or threaten a market breakout. Matty and Ryan close with their expectations for Black Friday/Cyber Monday data—and how those numbers could dictate market momentum into 2026.

If you're trying to understand where the market goes next, this episode offers a grounded, data-driven roadmap heading into the biggest shopping week of the year.

Topics Covered:

• Thanksgiving week overview and expectations for a short trading week
• Early holiday retail indicators: in-store traffic, doorbusters, and initial consumer sentiment
• Technical analysis showing bullish signals: oscillators, moving averages, and momentum strength
• Market timing vs. long-term buying strategy during dips
• Rate-cut probability surging ahead of the December FOMC meeting
• Labor market softening and the impact on consumer spending behavior
• Deep dive into housing affordability and rising median homebuyer age
• Delinquencies increasing: credit cards, auto loans, and broader consumer strain
• Inflation pressures: food, auto, and insurance costs holding steady at elevated levels
• Mortgage rates, supply issues, and debates around 30-year vs. 50-year mortgages
• Speculation surrounding Trump’s potential Fed chair appointment and aggressive rate-cut theories
• AI chip tensions between NVIDIA and Google affecting tech-sector sentiment
• The critical role of Black Friday and Cyber Monday data for year-end market trajectory
• Predictions for a potential Santa Claus rally depending on holiday consumer strength

Episode Sponsored By:

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In this episode of Money Moves, Matty A. and Ryan Breedwell dive deep into the economic landscape following the government reopening. They break down what the latest (and long-delayed) data tells us about inflation, unemployment, rate-cut probabilities, market psychology, crypto volatility, and the evolving dynamics of the housing market—including portable mortgages, 50-year loans, and the changing profile of the post-COVID consumer.

From government dysfunction to AI’s impact on job openings, distressed CRE, stock-market forecasts, crypto fear cycles, and the staggering amount of cash sitting on the sidelines, this episode is packed with real-world, data-driven insight to help investors navigate uncertain times with clarity and confidence.

Topics Covered:

• Government reopening, shutdown damage, and the 43-day data blackout
• Job losses, jobless claims, and AI’s effect on hiring
• Rate-cut probability and the Fed’s upcoming decisions
• Why fear is spiking despite strong consumer balance sheets
• Market psychology and how retail investors get trapped
• Crypto’s violent pullback—and why opportunity is rising
• Tariffs, consumer habits, and the “post-COVID” buyer
• Commercial real-estate distress brewing for 2026
• 50-year mortgages, portable mortgages, and housing-market innovation
• Why $7.6 trillion in cash is waiting to rush back into markets
• Pelosi’s insane stock-market returns and debates on banning congressional trading

If you’re an investor wondering how to position yourself heading into the holiday season and into 2026, this episode is packed with must-know insights.

Episode Sponsored By:

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In this week’s episode of Money Moves, Matty A. and Ryan Breedwell dives into one of the most critical and thought-provoking discussions of the year — how long-term debt, political ideology, and government policy are reshaping the American economy.

With the government reopening and the markets reacting to a flood of new data, Matty breaks down the growing debate around 50-year mortgages, the rise of socialist-leaning policies, and what both mean for the future of capitalism, entrepreneurship, and personal wealth.

He explores how expanding debt horizons could trap future generations, why entitlement culture threatens productivity, and how investors can navigate this shifting landscape of policy-driven markets. Beyond economics, Matty also reflects on mindset — how to stay empowered, self-reliant, and financially free in an era where dependency is being normalized.

Episode Highlights:

• [00:01:00] The government reopens — what it means for markets and investor sentiment
• [00:04:30] 50-year mortgages — financial innovation or long-term debt trap?
• [00:09:45] The rise of socialism — economic implications and investor concerns
• [00:14:30] Capitalism vs. dependency — how culture shapes financial freedom
• [00:18:40] The real impact of government stimulus and debt expansion
• [00:23:10] How investors can protect themselves from policy-driven volatility
• [00:28:00] The long-term mindset — taking ownership of your wealth journey

Episode Takeaways:

• 50-year mortgages may offer affordability today but risk trapping future generations in permanent debt.
• Socialist-style policies create short-term relief but erode productivity, innovation, and long-term growth.
• Markets respond to stability, not politics — investors who stay long-term focused outperform the emotional majority.
• Financial independence is a mindset. You can’t rely on the government to make you wealthy — only discipline, ownership, and action can.

• 
  

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In this week’s episode of Money Moves, Matty A. and Ryan Breedwell dig into the latest shifts shaping markets—from inflation and interest rates to the AI stock frenzy and how investors can prepare for what’s ahead.

They break down why consumer debt is at record highs, what the Fed’s latest data tells us about the economy, and whether 2026 could mark the next major bull market cycle. The duo also discusses how AI-driven investing is changing the game, why real estate remains a long-term hedge, and how disciplined investors can win by staying patient through volatility.

This episode blends macroeconomic clarity with timeless investment principles—perfect for anyone trying to navigate today’s uncertainty without losing sight of long-term goals.

Episode Highlights:

• [00:01:10] Market update — the Fed’s inflation battle and what’s next for rate cuts
• [00:06:40] Consumer debt and household spending — are Americans overextended?
• [00:11:20] AI mania in the markets — real innovation or speculative bubble?
• [00:16:50] Election-year volatility — how politics shapes short-term sentiment
• [00:21:10] Real estate update — where prices are holding and where they’re falling
• [00:26:30] Diversification and discipline — why “boring” portfolios outperform
• [00:31:50] Long-term perspective — how patience and consistency compound wealth

Episode Takeaways:

• Inflation remains sticky, but market resilience shows underlying strength.
• The Fed’s gradual approach to rate cuts could set the stage for a 2026 bull run.
• AI hype will fade—but real-world applications will define lasting winners.
• Real estate remains a proven hedge against inflation, despite short-term cooling.
• Long-term success requires consistency, diversification, and emotional discipline.

• 
  

Episode Sponsored By:

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In this episode of Money Moves, Matty A. and Ryan Breedwell dive into one of the most politically and economically charged periods in recent history. With election season intensifying, AI regulation heating up, and market volatility rising, they break down how investors can prepare for the next 18 months.

The hosts discuss why markets tend to rally after elections, the impact of potential policy shifts on taxes, crypto, and interest rates, and why AI regulation could change the trajectory of tech investing. They also explore the Federal Reserve’s 2026 outlook, global instability, and whether gold and Bitcoin can protect investors against inflation and geopolitical risk.

This episode delivers a balanced mix of macroeconomic insight, investment strategy, and real-world perspective to help you make smarter money moves during turbulent times.

Episode Highlights:

• [00:00:30] Market volatility update and what’s driving investor sentiment right now
• [00:04:15] Election-year dynamics: why markets often rally after political uncertainty settles
• [00:09:30] AI regulation and its impact on tech valuations and innovation
• [00:14:40] Global instability and energy prices — where the real risks lie
• [00:18:55] The Fed’s next moves: interest rates, inflation, and 2026 projections
• [00:23:30] Crypto outlook — regulation, adoption, and institutional entry points
• [00:27:20] Gold, Bitcoin, and real assets as protection against market chaos
• [00:32:45] Why most investors lose in election years and how to avoid emotional decisions
• [00:38:10] The 2026 setup: sectors and strategies that could outperform long-term

Episode Takeaways:

• Election uncertainty creates opportunity. Historically, post-election rallies favor patient investors who stay positioned through volatility.
• AI regulation is coming. Expect more government scrutiny and tighter frameworks around data, IP, and automation—but innovation will persist.
• Diversification matters more than ever. Real assets, energy, and technology infrastructure remain strong long-term plays.
• Crypto and gold remain hedges. Institutional adoption and digital asset infrastructure are solidifying.
• Focus on fundamentals. Emotional, reactionary investing destroys returns—discipline compounds wealth.

Episode Sponsored By:

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In this week’s episode of Money Moves, Matty A and Ryan Breedwell dive deep into the evolution of money, technology, and investing in a rapidly changing economy. From the concept of digital currency and the impact of AI on jobs and real estate to the massive liquidity waiting on the sidelines, the duo explores how financial systems, investor behavior, and global markets are transforming before our eyes.

Episode Highlights:

• [00:00:50] Disneyland, data delays, and the state of the markets — why the U.S. government shutdown impacts financial data and investment insights.
• [00:02:20] From trillion-dollar companies to a $10T future — how fast the market is evolving and what that means for investors.
• [00:04:00] The future of money — Ryan breaks down how financial systems are changing, not just the currency itself.
• [00:07:00] The new money mindset — why talking about money is no longer taboo and why financial literacy is more critical than ever.
• [00:11:00] $7.5 trillion in cash on the sidelines — where will all that capital flow next? Stocks, bonds, or real estate?
• [00:14:00] Gold’s massive drop and crypto’s rise — Ryan and Matty discuss what’s next for Bitcoin, Ethereum, and institutional crypto adoption.
• [00:36:00] Amazon’s plan to replace 600,000 U.S. workers with robots — what this means for the economy and AI’s unstoppable march forward.
• [00:37:30] The new gold rush: AI and data centers — why billionaires are betting big on energy and data infrastructure.
• [00:43:00] Market outlook — Are we due for a correction or a Santa Claus rally? Ryan breaks down what’s likely ahead.
• [00:46:20] Housing update — rates dip to 6.04% and what that means for buyers, sellers, and investors.
• [00:47:15] The world’s most valuable private companies — from OpenAI to SpaceX and Shein, who’s leading the next wave of trillion-dollar growth.

Takeaways:

• Technology isn’t just changing how we use money — it’s redefining the entire financial ecosystem.
• $7.5 trillion in sidelined cash means major moves are coming in 2025–2026.
• The next decade’s “gold rush” is in energy and data infrastructure driven by AI demand.
• Crypto’s institutional adoption is here — and it’s reshaping global finance.
• Despite speculation, the U.S. dollar remains the world’s dominant currency.

Episode Sponsored By:

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