This ALWAYS Happens Before A Housing Market Crash… | Michael Zuber
Video Overview & Insights
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Dave Ramsey is full of BS
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Great guest and hosts. Loved it.Informative and so much fun. Thx
Real Estate Spreadsheet: https://docs.google.com/spreadsheets/d/14s9RLZKXQdz5UkkdzVDMnVoEjyREkND7/edit?usp=sharing&ouid=115177699567463889514&rtpof=true&sd=true
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Guys the increase happen after 1971 when America took the dollar off the goldstander
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This guy's awfully optimistic. Is the government always going to come to the rescue of real estate and save his butt. The only reason we didn't have a bigger crash in the GFC is the government slowed it down. Took over Fannie Mae Freddie Mac build out the banks. It could of got a lot worse.... It's an absolute crap shoot if you play the game. We never know who the Winners and losers will be.
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I'm looking to buy my first duplex this year.
Where I currently am in KY, every Duplex on the market is 3-9 months old and they have ALL been dropped by 80-110k from original price. There aren't a lot for sale and none are selling. I'm looking at a 2k sqft duplex that was asking 360k 3 months ago and is now asking 250k. It sold in 2022 for 200k and I think I can also get it for 200k in the next couple months if the seller is desperate.
Prices are absolutely coming down, there's just not enough inventory on the market to show because nothing is selling.
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00:00:00 - Intro
Why are people so obsessed with Business class?!?! 🙄 I download many interesting movies and watch them during my flight, I completely forget where I am… It feels like just several minutes passed, while in reality several hours flew by…
00:01:20 - The 52-Year Spreadsheet & What It Revealed
00:03:38 - Why Prices Don't Fall: Transactions Crash Instead
Waged grow 4 percent a year ? My employer doesn't know this. Instead we get a 3 cent cola. Not a 3 percent cola but a 3 penny cola. Lol.
I think it makes sense to work hard , super hard and save 50k. If you save 50k in 5 years that that's 833 per month and in 5 years , the house probably go up a 100,000. Enjoy working hard for no reason and losing buying power . Sadly , you have to hope for a housing crash. Btw, don't look for the government to help you.
00:06:24 - The 18-Year Cycle Myth & The Slow Recovery Timeline
00:09:35 - Advice for the Average Buyer in 2026
Zuber is a down to earth guy but still if you own 100 units you’re a Bonyfied rockstar
00:10:53 - Prediction: Home Prices Flat Until 2030
00:12:35 - Why This Isn't 2008: The Adjustable Rate Mortgage Difference
Graham's wallet is so tight, it sqeeks when he walks.
00:15:03 - The Demographics Argument & Boomer Inventory Concerns
00:16:33 - How Zuber Could Be Wrong & Policy Fixes for Entry-Level Housing
I LOVE Q&As
00:19:20 - Ben Shapiro's "Just Move" Take & When to Buy vs Rent
00:20:38 - The Discipline of a Buy Box (How to Find 15% Off Deals)
No one wants a small house- less than 1000 sq ft. Most people would rather rent till they can get what they want…
00:24:02 - Why Real Estate Is Inefficient & Where the Opportunity Lives
00:26:39 - Creative Financing: What It Is and Where People Mess Up
Just make some videos in Japan and claim it as part of business expenses.
00:28:32 - The Three-Step Process to Build Wealth
00:30:20 - Living on $12K While Making $50K: How Michael Stays Content
Bring on Tommy from Delivrd
00:32:46 - The Crying-in-the-Car Moment After 12 Years of Sacrifice
00:34:53 - Inflation History & The Stock Market Reversion to the Mean
buyi9ng and renting a home is no longer an option at current rates, rent prices are going to drop etc etc etc and so on ... times are changing and are coming ... Real Estate "residential" is no longer and asset it is a liability based on current economics etc ... if your up NOW sell !!! Residential HOMES ARE NO LONGER ASSETS!!
00:38:43 - What Happens If Rates Drop to 4%? (Kevin Warsh & Trimmed Averages)
00:41:00 - Who Should and Shouldn't Be a Real Estate Investor
Never going to own a home club 👍
00:42:46 - The Duplex Story: A Sober Living Buyer Overpays 50%
00:46:16 - Lies About Real Estate Investing (Brandon Turner & the No-Money-Down Myth)
Hey Ice coffee hours, I was just wondering if you already work with a video editor.
If not, I’d be stoked to collab and cook up something cool with you.
What do you think?
00:47:31 - Why Debt Always Blows Up & The Power of 30-Year Fixed Rates
00:49:32 - Hardest Part of Being a Landlord
Guy says I am not going to say something as “arrogant” as Ben Shapiro but then basically agrees with him and and did exactly what Shapiro was trying to communicate.
By the way it’s how I have become more successful as well. It’s not easy or right for everyone but life is short , sometimes you may need to move even just a couple hours away to make it happen.
00:50:24 - How Michael Spends His Margin (Travel, Not Stuff)
00:52:02 - The Need vs Want Audit That Changed Everything
ALLOW PEOPLE TO BUILD THEIR OWN HOUSES WITHOUT SO MANY REGULATIONS!!!!!!!
00:54:26 - The Caleb Hammer Insight: Health and Wealth Are Linked
00:57:20 - Dave Ramsey's 40-Year Consistency & The Billion-Dollar Loan Question
If they get rid of the illegal property tax the housing market would rip
00:59:35 - The Guy Who Lost $10M Over a $50K Credit
01:00:03 - Should Graham & Jack Invest More in Real Estate?
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01:03:45 - Multifamily, Commercial & Where the Wealth Transfer Is Coming
01:05:08 - Will AI Make Houses Cheaper? The K-Shaped Housing Future
the irony that the guest knows he is happy with 'enough' - and graham knows he is happy with 'enough' with his airplane seats, and both guest + jack are giving graham crap for doing the same thing the guest is doing. leave graham in peace.
01:06:21 - Michael's Returns: Infinite ROI After Cash-Out Refis
01:07:11 - Rent Control & Why It Destroys Cities
“Fixed” shelter prices are on the rise due to increases in property taxes and home owners insurance. So fixed is not as fixed as fixed once used to be…..
01:09:11 - Markets to Avoid & Markets Worth Hunting
01:10:41 - The Anti-Landlord Movement & The Loss of Hope
My brother and sister in law were both making six figures, spent every last penny, went into debt up to their eyeballs, and had to file bankruptcy and foreclose on the home they bought. They appeared to be doing well- lived in a beautiful brand new home in the best part of town, drove a Mercedes, and always dressed in the nicest newest clothes…but it was all fake. Their lives have been upended and now they are renting a home after they made mortgage payments for 3 years totaling 200,000. It’s really sad what they have done to keep up with the Jones’
01:14:04 - Confronting Graham: Why Won't You Spend More?
01:15:49 - The Bill Perkins Argument & Shifting From Saving to Spending
9 million in debt over your head to live in 12 k per month sheesh that would be hard to sleep at night for me
01:17:46 - Graham's 2% Rule (And Why He Still Won't Spend It)
01:20:52 - The Cruise Ship Lesson: Billionaires Who Worked Too Long
What Michael fails to mention is the fact the economy is changing. People are getting called back into the office and laid off at astounding rates. Being locked into a home might not be as beneficial in the future, especially if people have to move more frequently to accommodate work. Owning a home might be seen as a liability. Where will the buyer base come from?
01:22:18 - The Business Class Debate That Won't End
01:29:42 - Feedback for Jack & Graham on the Podcast
I’m Graham and don’t make anything close to him. He has a fear based mentality of losing at least half of his worth at any moment. Glass half empty. It is restrictive mentally and draining but it can be worked through. Telling yourself to spend responsibly and putting the value and happiness it brings to others above the amount has helped immensely.
01:32:51 - Where Iced Coffee Hour Is Headed Next
01:37:31 - ExtraDollar Launch & Wrap-Up
Contradicted himself like 4 times, and basically a boomer that benefited from ZIRP, tryna give advice unreal
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I love this podcast! The hosts always ask great questions
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Guys a hackass. He never says how he started. The start of his career is during the GFC when he already had a 20MM portfolio…
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I think letting in millions of people from around the world had an effect on housing. Everywhere that has done that has a housing crisis.
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Your audio is massively to low
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The sad truth is that no one has a clue, we all react to what happens as it happens and try to analyze it but can’t predict an iota of what is going to unfold in the markets… content creators are like amplifiers, when times are good they affirm it and try to tell you why it’s good and that it’s looking bullish but then all of a sudden the market turns bearish and everyone affirms it again and try to analyze why… it’s so sad that many are so powerless and it's not about guessing the market's next move; it's about playing it smart and steady during trading...managed to grow a nest egg of around 2.3Bitcoin to a decent 19Bitcoin in the space of a few months.Thanks once again, Ashley Lantaigne., for your consistent updates and continued support..
More User Perspectives
loved this episode, Zuber is so insightful, down to earth, and level headed. great questions and fun banter by all.
@fadzillaa_the guy isnt rich at all. whats the point of listening to him. he spends only 12k a month? so living like hes poor? whats the point
@TuberothGraham, - spoil Macy to the point of your wildest dreams, as if you were Macy being spoiled by Graham, because you love her, and love is enough.
@TheCranberryOcelotBeautiful.
@CalistroVCGoat Talk! Zubeeerrrrrrr!
@GusOfiliRealEstateYou should make a video regarding business moral (Bricks and Minifigs)
@JoeByron.Zuber is bs partisan hack who specializes in crack dens in Fresno. If that your market, then maybe he’s useful.
@SeanB-be7bsYeah I mean it is definitely good general recommendation to tell people to live below their means, do the grind, work harder, be more frugal, be patient etc, but honestly we are living in financial landscape where the opportunity became slimmer and slimmer due to rising cost of living, ill-advised career path (usually boomer parents) and stacking debts, including student debt or medical. None of these are luxuries and it us part if barely getting by. Even when I went to college, which was early 2010’s I was still able to work part time and save enough money to pay for myself for next semester and some. Nowadays it is absolutely not possible. Although generally good spirited advices I feel younger generation are tired of hearing this.
@dank8981It is not fixed, my property taxes have gone up 1200 per years for last 3 years
@whotfisthat154Toronto and Vancouver are in a Real Estate is a major crash and decline for the last 4 years. This was the best podcast of 2026.
@AG-hl1niMy favorite interview. Michael is a rare treasure on YouTube these days. Love it!
@yanmamabear5734The best advice I’ve ever received is to live below your means and dollar cost average into diversified assets to not lose purchasing power. While real estate offers great appreciation and tax benefits, the high entry costs, front-loaded mortgage interest (which can lead to spending 2-3 times the purchase price by the end of the loan), rising property taxes and homeowners insurance, costly repairs (HVAC, roof, etc.), potential tenant issues and damage (if renting), and increasing utility prices (due to data centers) make it challenging to make financial sense compared to renting for significantly less. It certainly makes sense to invest in real estate if you plan to hold it until the mortgage is paid off, but otherwise, it would be more prudent to allocate your money to other assets. Or accept this is not an investment decision and pay the premium to have a home that you own.
@Sd.Mo1Great episode!!! Would love to see him back and for you to do a slightly deeper dive into his spreadsheet.
Recently subscribed to his YT & it’s been so educational. Very helpful
I never realized how cheap Graham is!!!! Graham is living in a lie and he's missing the point of life, the meaning of it. The way he is talking, he's winning the game of money but losing the war.
@FuturesTradingChannelDid he say, flip the switch on migration and that stops? He’s failing to enter the unintended consequences of “migration.” The billions on fraud, the degradation to all systems, health, schools, infrastructure, crime etc. The costs so outweigh the benefits. It is the main contributing factor to the rise in home costs, stagnant incomes and rising costs in health care and hugely negatively impacts on taxes.
@charlieg5763Someone could venmo me something so I could buy some silver :) thanks in advance
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