77% of Canadians are waiting for September 17th, thinking it means cheaper mortgages and falling home prices, but they're wrong. Host Alex McFadyen breaks down why the Bank of Canada's next rate decision is a trap that's keeping buyers and renewals frozen while smart money moves now, revealing the real math on mortgage savings ($78/month on a $600K home), why variable rates might not save you anything, and why waiting for rate cuts could cost you thousands while missing current opportunities in a paralyzed market.