January has a way of telling the truth. In this episode, Joe and Jerry dig into why so many people feel broke even when the economy looks “fine” on paper. From maxed-out credit cards and tightening consumer spending to a housing market that feels stuck and businesses navigating slow seasons, this is a real conversation about what’s actually happening beneath the surface. They talk loyalty versus discounts, why slow months are when business owners have to lean in harder, and how discipline, relationships, and adaptability matter more than ever when margins get tight.