Wes is joined today by co-host, producer, and new Uncle Jeff Lloyd. They toss out the pumpkins, string up the holiday lights, and examine the plethora of recent market highs. For perspective, they chart market returns dating back to William McKinley in 1896. Next, they dig into the housing market and discover a concerning revelation. But, they point out that some positive shifts may be on the horizon. Though lowering interest rates has yet to lead to the beneficial effects some had hoped for, a new administration sometimes brings different priorities. Furthermore, the U.S. Department of Treasury is preparing to unleash roughly $700 billion from its general account (TGA) into the economy. This cash injection could possibly result in lower treasury bond yields, which could potentially help to lower mortgage rates. Finally, Wes describes the details of a retirement life map a happy retiree recently showed him and how her willingness to daydream and plan with discipline helped her retire without regrets.