Episode 90 of *It’s Real* just dropped—Kayla Kallander & Andrew Yaggie are back! We’re chatting 90 episodes (!), the government shutdown slowing down USDA & flood insurance, why first-time buyers are now 38 😳, gift-money rules, and how to use AI without sounding like a robot. Then we laugh through 13 Halloween “monsters” haunting agents: ghost agents 👻, appraisal poltergeists, zombie listings… you name it.