Global markets limp into the week as Fed hawks crush hopes for another December rate cut, Asia opens mostly lower, and October layoffs hit their worst level since 2003. We break down what mid-6% mortgage rates mean for housing, how $1.5T of maturing CRE debt will get refinanced, and why stablecoins are becoming part of Treasury market plumbing. Plus: today’s M&A tape, Bitcoin’s bruising week, and a hot sales idea to turn this volatility into deal flow.

Until tomorrow, be the best human you can be.

~ Teresa Grobecker

Why read when you can listen! GRO news availble on Apple Podcasts and Spotify. Brought to you by the employee benefit plan that pays you back. Looking for a no-cost employee benefit program? Check out the SIMERP program and save $630 per year in taxes.

CA DRE 01908507 NMLS 1286612, CEO and Broker of Record, Grobecker Holland International, Inc., CA DRE 01976696 NMLS 1295266

GRO MONEY PODcast and the accompanying newsletter are provided for informational and educational purposes only and do not constitute financial, investment, legal, tax, or accounting advice. Nothing herein is an offer to sell or a solicitation of an offer to buy any security or to participate in any investment strategy. Reliance upon any information provided is at your sole discretion and risk. Views expressed are those of the authors as of the publication date and may change without notice. While sources are believed to be reliable, no representation or warranty is made as to accuracy, completeness, or timeliness, and no duty to update is assumed. Past performance is not indicative of future results. Receipt of this content does not create a client, advisory, fiduciary, or brokerage relationship. You should consult your own licensed financial, legal, and tax advisers regarding your specific circumstances. Grobecker Holland International, its affiliates (including GRO GROUP), and their principals may hold positions or have business relationships related to companies or assets discussed.

Teresa Grobecker, MBA, CRPC. Investment Banker, Angel to Series C, Capital Formation, CRE and Gov Contracting, Defense, Policy and Real Assets Investor, Futurist and Fixer at the Intersection of Finance

Can four Fed rate cuts really move the jobs needle? In this Sunday Essay, we unpack how a $20T+ corporate debt pile, tight credit for small businesses, and AI-branded layoffs will shape hiring through 2027. We separate hype from hard data and look at where jobs are most likely to appear—and disappear—if money gets cheaper but not free again.

Until tomorrow, be the best human you can be.

~ Teresa Grobecker

Why read when you can listen! GRO news availble on Apple Podcasts and Spotify. Brought to you by the employee benefit plan that pays you back. Looking for a no-cost employee benefit program? Check out the SIMERP program and save $630 per year in taxes.

CA DRE 01908507 NMLS 1286612, CEO and Broker of Record, Grobecker Holland International, Inc., CA DRE 01976696 NMLS 1295266

GRO MONEY PODcast and the accompanying newsletter are provided for informational and educational purposes only and do not constitute financial, investment, legal, tax, or accounting advice. Nothing herein is an offer to sell or a solicitation of an offer to buy any security or to participate in any investment strategy. Reliance upon any information provided is at your sole discretion and risk. Views expressed are those of the authors as of the publication date and may change without notice. While sources are believed to be reliable, no representation or warranty is made as to accuracy, completeness, or timeliness, and no duty to update is assumed. Past performance is not indicative of future results. Receipt of this content does not create a client, advisory, fiduciary, or brokerage relationship. You should consult your own licensed financial, legal, and tax advisers regarding your specific circumstances. Grobecker Holland International, its affiliates (including GRO GROUP), and their principals may hold positions or have business relationships related to companies or assets discussed.

Teresa Grobecker, MBA, CRPC. Investment Banker, Angel to Series C, Capital Formation, CRE and Gov Contracting, Defense, Policy and Real Assets Investor, Futurist and Fixer at the Intersection of Finance

Friction Friday is here: stocks slide, volatility pops, and mortgage rates grind sideways while housing and CRE quietly keep moving. In this episode of Grow Money Daily, we unpack the post-shutdown data fog, what mid–6% mortgage rates really mean for buyers and sponsors, where big real estate deals are still closing, and why stablecoins and AI-powered mortgage tech are reshaping the capital stack. Sponsored by the SIMERP employee benefit plan and CryptoLending.ai.

Until tomorrow, be the best human you can be.

~ Teresa Grobecker

Why read when you can listen! GRO news availble on Apple Podcasts and Spotify. Brought to you by the employee benefit plan that pays you back. Looking for a no-cost employee benefit program? Check out the SIMERP program and save $630 per year in taxes.

CA DRE 01908507 NMLS 1286612, CEO and Broker of Record, Grobecker Holland International, Inc., CA DRE 01976696 NMLS 1295266

GRO MONEY PODcast and the accompanying newsletter are provided for informational and educational purposes only and do not constitute financial, investment, legal, tax, or accounting advice. Nothing herein is an offer to sell or a solicitation of an offer to buy any security or to participate in any investment strategy. Reliance upon any information provided is at your sole discretion and risk. Views expressed are those of the authors as of the publication date and may change without notice. While sources are believed to be reliable, no representation or warranty is made as to accuracy, completeness, or timeliness, and no duty to update is assumed. Past performance is not indicative of future results. Receipt of this content does not create a client, advisory, fiduciary, or brokerage relationship. You should consult your own licensed financial, legal, and tax advisers regarding your specific circumstances. Grobecker Holland International, its affiliates (including GRO GROUP), and their principals may hold positions or have business relationships related to companies or assets discussed.

Teresa Grobecker, MBA, CRPC. Investment Banker, Angel to Series C, Capital Formation, CRE and Gov Contracting, Defense, Policy and Real Assets Investor, Futurist and Fixer at the Intersection of Finance

Record highs, missing data, and a wave of delayed deals about to hit the tape. In today’s Grow Money Daily, we cover why the Dow just punched through 48,000, what the end of the government shutdown means for NFIP, FHA/VA/USDA pipelines, how CRE lending quietly roared back to 2018 volumes, and why Visa’s new stablecoin pilot matters more than today’s Bitcoin wobble. Plus: a “Shutdown Comeback” sales play you can run with your pipeline today. Brought to you by SIMERP, the employee benefit plan that pays you back.

Why read when you can listen! GRO news availble on Apple Podcasts and Spotify. Brought to you by the employee benefit plan that pays you back. Looking for a no-cost employee benefit program? Check out the SIMERP program and save $630 per year in taxes.

CA DRE 01908507 NMLS 1286612, CEO and Broker of Record, Grobecker Holland International, Inc., CA DRE 01976696 NMLS 1295266

GRO MONEY PODcast and the accompanying newsletter are provided for informational and educational purposes only and do not constitute financial, investment, legal, tax, or accounting advice. Nothing herein is an offer to sell or a solicitation of an offer to buy any security or to participate in any investment strategy. Reliance upon any information provided is at your sole discretion and risk. Views expressed are those of the authors as of the publication date and may change without notice. While sources are believed to be reliable, no representation or warranty is made as to accuracy, completeness, or timeliness, and no duty to update is assumed. Past performance is not indicative of future results. Receipt of this content does not create a client, advisory, fiduciary, or brokerage relationship. You should consult your own licensed financial, legal, and tax advisers regarding your specific circumstances. Grobecker Holland International, its affiliates (including GRO GROUP), and their principals may hold positions or have business relationships related to companies or assets discussed.

Teresa Grobecker, MBA, CRPC. Investment Banker, Angel to Series C, Capital Formation, CRE and Gov Contracting, Defense, Policy and Real Assets Investor, Futurist and Fixer at the Intersection of Finance

Dow at a record, Nasdaq softer on AI, and bonds reopen with today’s 10-year auction. We cover mortgage-rate context, “backlog-to-close” housing dynamics after the shutdown fight, CRE distress trendlines, and a $70M coastal office bet—plus a tactical fast-close playbook.

Looking for a no-cost employee benefit program? Check out the SIMERP program and save $630 per year in taxes.

CA DRE 01908507 NMLS 1286612, CEO and Broker of Record, Grobecker Holland International, Inc., CA DRE 01976696 NMLS 1295266

GRO MONEY PODcast and the accompanying newsletter are provided for informational and educational purposes only and do not constitute financial, investment, legal, tax, or accounting advice. Nothing herein is an offer to sell or a solicitation of an offer to buy any security or to participate in any investment strategy. Reliance upon any information provided is at your sole discretion and risk. Views expressed are those of the authors as of the publication date and may change without notice. While sources are believed to be reliable, no representation or warranty is made as to accuracy, completeness, or timeliness, and no duty to update is assumed. Past performance is not indicative of future results. Receipt of this content does not create a client, advisory, fiduciary, or brokerage relationship. You should consult your own licensed financial, legal, and tax advisers regarding your specific circumstances. Grobecker Holland International, its affiliates (including GRO GROUP), and their principals may hold positions or have business relationships related to companies or assets discussed.

Teresa Grobecker, MBA, CRPC. Investment Banker, Angel to Series C, Capital Formation, CRE and Gov Contracting, Defense, Policy and Real Assets Investor, Futurist and Fixer at the Intersection of Finance

As of November 10, 2025, the federal government remains shut. The Senate has passed a funding package, now awaiting House action before agencies can reopen. This episode explains how the lapse created a temporary bottleneck in U.S. housing finance through three channels: the National Flood Insurance Program (NFIP) lapse, USDA Single-Family guarantees on pause, and slower FHA/VA processing under constrained staffing. Using credible anchors, an estimated 56,000 to 148,000 residential closings have been delayed or at risk from October 1 to November 10. Once enacted and agencies restart, most of these transactions should clear into late-Q4, adding roughly 0.10 to 0.18 percentage points (SAAR) to Q4 real GDP via brokers’ commissions and ownership-transfer costs, with further upside from restored federal outlays and confidence effects. The episode also quantifies the broader dollars unlocked: approximately $2–8B of GDP-activating spend and $25–73B in gross cash flow across plausible scenarios. Takeaways include where backlogs will clear first, how timing may spill into early Q1, and why this is a throughput shock rather than a demand shock. Full white paper and sources in the show notes.

Until tomorrow, be the best human you can be.

~ Teresa Grobecker

CA DRE 01908507 NMLS 1286612, CEO and Broker of Record, Grobecker Holland International, Inc., CA DRE 01976696 NMLS 1295266

GRO MONEY PODcast and the accompanying newsletter are provided for informational and educational purposes only and do not constitute financial, investment, legal, tax, or accounting advice. Nothing herein is an offer to sell or a solicitation of an offer to buy any security or to participate in any investment strategy. Reliance upon any information provided is at your sole discretion and risk. Views expressed are those of the authors as of the publication date and may change without notice. While sources are believed to be reliable, no representation or warranty is made as to accuracy, completeness, or timeliness, and no duty to update is assumed. Past performance is not indicative of future results. Receipt of this content does not create a client, advisory, fiduciary, or brokerage relationship. You should consult your own licensed financial, legal, and tax advisers regarding your specific circumstances. Grobecker Holland International, its affiliates (including GRO GROUP), and their principals may hold positions or have business relationships related to companies or assets discussed.

Teresa Grobecker, MBA, CRPC. Investment Banker, Angel to Series C, Capital Formation, CRE and Gov Contracting, Defense, Policy and Real Assets Investor, Futurist and Fixer at the Intersection of Finance

Asia opens green, D.C. inches toward a shutdown deal, and tech faces a truth-serum week with Cisco and AMAT on deck. Rates hover in the low-6s for mortgages and ~4% on the 10-year, while multifamily and office-to-housing keep drawing capital. Plus: a practical “Ready Capital” pitch for conversion deals and a quick crypto check.

Looking for a no-cost employee benefit program? Check out the SIMERP program and save $630 per year in taxes.

Until tomorrow, be the best human you can be.

~ Teresa Grobecker

Why read when you can listen! GRO news availble on Apple Podcasts and Spotify. Brought to you by the employee benefit plan that pays you back.

CA DRE 01908507 NMLS 1286612, CEO and Broker of Record, Grobecker Holland International, Inc., CA DRE 01976696 NMLS 1295266

GRO MONEY PODcast and the accompanying newsletter are provided for informational and educational purposes only and do not constitute financial, investment, legal, tax, or accounting advice. Nothing herein is an offer to sell or a solicitation of an offer to buy any security or to participate in any investment strategy. Reliance upon any information provided is at your sole discretion and risk. Views expressed are those of the authors as of the publication date and may change without notice. While sources are believed to be reliable, no representation or warranty is made as to accuracy, completeness, or timeliness, and no duty to update is assumed. Past performance is not indicative of future results. Receipt of this content does not create a client, advisory, fiduciary, or brokerage relationship. You should consult your own licensed financial, legal, and tax advisers regarding your specific circumstances. Grobecker Holland International, its affiliates (including GRO GROUP), and their principals may hold positions or have business relationships related to companies or assets discussed.

Shutdown Signals & Clean-Data Deals: No BLS jobs print during the shutdown, but we’ve got verified signals—Freddie Mac’s 30-yr at 6.22%, Trepp delinquency up in October, and fresh deal flow from VICI/Golden ($1.16B) and MSREI (~$92M IOS). Treasury refunding stays steady; 10-yr reopens Wed, 30-yr Thu. Sponsored by SIMERP—the employee benefit that pays you back.

Looking for a no-cost employee benefit program? Check out the SIMERP program and save $630 per year in taxes.

Until tomorrow, be the best human you can be.

~ Teresa Grobecker

Why read when you can listen! GRO news availble on Apple Podcasts and Spotify. Brought to you by the employee benefit plan that pays you back.

CA DRE 01908507 NMLS 1286612, CEO and Broker of Record, Grobecker Holland International, Inc., CA DRE 01976696 NMLS 1295266

GRO MONEY PODcast and the accompanying newsletter are provided for informational and educational purposes only and do not constitute financial, investment, legal, tax, or accounting advice. Nothing herein is an offer to sell or a solicitation of an offer to buy any security or to participate in any investment strategy. Reliance upon any information provided is at your sole discretion and risk. Views expressed are those of the authors as of the publication date and may change without notice. While sources are believed to be reliable, no representation or warranty is made as to accuracy, completeness, or timeliness, and no duty to update is assumed. Past performance is not indicative of future results. Receipt of this content does not create a client, advisory, fiduciary, or brokerage relationship. You should consult your own licensed financial, legal, and tax advisers regarding your specific circumstances. Grobecker Holland International, its affiliates (including GRO GROUP), and their principals may hold positions or have business relationships related to companies or assets discussed.

Teresa Grobecker, MBA, CRPC. Investment Banker, Angel to Series C, Capital Formation, CRE and Gov Contracting, Defense, Policy and Real Assets Investor, Futurist and Fixer at the Intersection of Finance

Tech sold off, Bitcoin slipped under six figures, and the 10-year stayed chill. Translation: payments improved while headlines screamed.
What I’m watching today:
• Mortgage rates in the mid-6s and Treasury buybacks in the mix
• ADP +42k jobs, cooler pay—soft-ish labor keeps the Fed patient
• Three real estate prints you can’t ignore: Prologis’ Bay Area industrial buy, a rare green-ink Boston office sale, and Rockpoint’s $142M Richmond industrial scoop
Playbook: run a “6.25% Myth-Buster” on every buyer—2-1 vs permanent buydown, stack seller credits, and set the refi trigger.

Until tomorrow, be the best human you can be.

~ Teresa Grobecker

Brought to you by the employee benefit plan that pays you back.

CA DRE 01908507 NMLS 1286612, CEO and Broker of Record, Grobecker Holland International, Inc., CA DRE 01976696 NMLS 1295266

GRO MONEY PODcast and the accompanying newsletter are provided for informational and educational purposes only and do not constitute financial, investment, legal, tax, or accounting advice. Nothing herein is an offer to sell or a solicitation of an offer to buy any security or to participate in any investment strategy. Reliance upon any information provided is at your sole discretion and risk. Views expressed are those of the authors as of the publication date and may change without notice. While sources are believed to be reliable, no representation or warranty is made as to accuracy, completeness, or timeliness, and no duty to update is assumed. Past performance is not indicative of future results. Receipt of this content does not create a client, advisory, fiduciary, or brokerage relationship. You should consult your own licensed financial, legal, and tax advisers regarding your specific circumstances. Grobecker Holland International, its affiliates (including GRO GROUP), and their principals may hold positions or have business relationships related to companies or assets discussed.

Teresa Grobecker, MBA, CRPC. Investment Banker, Angel to Series C, Capital Formation, CRE and Gov Contracting, Defense, Policy and Real Assets Investor, Futurist and Fixer at the Intersection of Finance

Today: VIX near 19, 10-yr just over 4.1%, mortgage apps jump, pending sales stall, CMBS spreads tighten, and industrial logs two chunky deals. Starbucks sells 60% of China, AMD and Palantir print. Plus a sales prompt you can send right now and a “China Checkmate” landlord pitch. Sponsored by SIMERP—give your paycheck a gym membership.

Until tomorrow, be the best human you can be.

~ Teresa Grobecker

Why read when you can listen! GRO news availble on Apple Podcasts and Spotify. Brought to you by the employee benefit plan that pays you back.

CA DRE 01908507 NMLS 1286612, CEO and Broker of Record, Grobecker Holland International, Inc., CA DRE 01976696 NMLS 1295266

GRO MONEY PODcast and the accompanying newsletter are provided for informational and educational purposes only and do not constitute financial, investment, legal, tax, or accounting advice. Nothing herein is an offer to sell or a solicitation of an offer to buy any security or to participate in any investment strategy. Reliance upon any information provided is at your sole discretion and risk. Views expressed are those of the authors as of the publication date and may change without notice. While sources are believed to be reliable, no representation or warranty is made as to accuracy, completeness, or timeliness, and no duty to update is assumed. Past performance is not indicative of future results. Receipt of this content does not create a client, advisory, fiduciary, or brokerage relationship. You should consult your own licensed financial, legal, and tax advisers regarding your specific circumstances. Grobecker Holland International, its affiliates (including GRO GROUP), and their principals may hold positions or have business relationships related to companies or assets discussed.

Teresa Grobecker, MBA, CRPC. Investment Banker, Angel to Series C, Capital Formation, CRE and Gov Contracting, Defense, Policy and Real Assets Investor, Futurist and Fixer at the Intersection of Finance