Labor Softening, AI Shifts & KP’s Culver City Tour: What’s Really Going On in the Economy

From Culver City rooftops to Corona commutes, KP breaks down the real signals in today’s market  softening labor trends, elevated WARN notices, shifting consumer behavior, and what AI, automation, and monetary policy mean for the next phase of the economy and housing.

As layoffs rise, rates hover near 4% on the 10-year, and small businesses feel the pinch, KP connects the dots between labor risk, money supply constraints, jumbo rates, and why tech leaders like Jensen Huang and Elon Musk believe AI will reshape everything  from work to manufacturing to transportation.

All while giving a behind-the-scenes tour of his latest Culver City project, family moments included.

It’s a world balancing optimism and warning signs: soft labor vs. strong loan applications, slowing goods spending vs. rising services demand, and overhyped AI narratives vs. profound long-term disruption.

Episode Highlights:
00:00 – Labor still softening: WARN notices jump to 39K
01:20 – Money supply, borrowing costs & why short-term rates feel low
02:04 – Microsoft & Google double down on AI spend
02:40 – Existing home sales drop to ~4M annual rate
03:20 – Live from Culver City: rooftop tour & market talk
04:20 – Jensen Huang, Elon Musk & the AI future: robots, chips, and work becoming optional
06:00 – Is AI overhyped or underhyped? Why KP says both
07:00 – Housing insights: millionaire tax, jumbo rates & the future of affordability
08:10 – Kids’ basketball, mullets & construction updates (yes, really)
09:20 – Loan limits rise & purchasing power expands
10:38 – Loan apps hit the highest level YTD despite holiday slowdowns
11:20 – Treasury yields, tariffs & how mindset shapes market reactions
12:35 – The rise of automation in lending: speed, underwriting & AI agents
14:00 – Rate-cut chatter: why the Fed is shifting as labor weakens
15:30 – Global risks: hacks, explosions & foreign interference
16:40 – PPI, durable goods & what the data says about inflation’s direction
18:00 – Retail sales soften, services hold up & holiday outlook
18:45 – KP’s take on AI, DeepMind & the road ahead for lenders
19:30 – Thanksgiving wrap, gratitude & what’s next

Stay informed. Stay ahead. Stay in the market.
🔗 https://linktr.ee/kptalksdollarsandsense

#MortgageNews #FederalReserve #AI #InterestRates #HousingMarket #Economy #LaborMarket #SmallBusiness #FinanceUpdate #KPTalksDollarsAndSense

Jobs, Housing, and the Hawkish Cut Ahead

From Southern California, KP breaks down a week where the data finally caught up to the story: a slowing labor market, cooling rents, and a Fed preparing to make its most important move yet. With the delayed jobs report showing rising unemployment and the December 10th meeting approaching, this episode connects the dots between labor softness, housing affordability, and why a hawkish rate cut might be the twist no one sees coming.

KP also digs into the AI boom, the Nvidia effect, and what efficiency really means as technology reshapes productivity, lending, and the broader economy.

Episode Highlights:
00:00 – KP checks in from SoCal & the strange September jobs report
02:10 – Unemployment ticks up and what it means for the December 10 Fed meeting
04:40 – Housing pain points, first-time buyers & the new age of homeownership
07:15 – Rents decline for a 3rd month: the silent helper for inflation
09:20 – Non-bank lenders, small business stress & tightening credit
11:05 – AI, Nvidia, and the new efficiency paradox
13:45 – Ethereum scaling, blockspace & Jevons Paradox in the real world

Stay sharp. Stay resilient. Stay informed.
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#Economy #FederalReserve #JobsReport #HousingMarket #InterestRates #Inflation #AI #Nvidia #FinancePodcast #KPTalksDollarsAndSense

Social Security Cuts, 50-Year Loans & Musk’s $1T Plan — What’s REALLY Going On

From California to the heart of Manhattan, KP breaks down a chaotic week in markets, politics, housing, and the broader economy — all unfolding at the same time. Social Security’s looming insolvency, the controversy around 50-year mortgages, and Elon Musk’s trillion-dollar vision are shaking up conversations in Washington and on Wall Street.

With layoffs rising, government data returning, Treasury auctions heating up, and mortgage rates facing pressure, the market is balancing fear, momentum, and a lot of noise. KP cuts through it all with clarity, speed, and real-world insight.

Episode Highlights:
00:00 – Live from California & Manhattan: where sentiment on the ground really stands
01:05 – Social Security warning signs & the timeline no one wants to talk about
02:12 – 50-year mortgage debate: smart innovation or ticking time bomb?
03:40 – Treasury auctions, yields & why the bond market is suddenly volatile
04:51 – Layoff spike, job data, and cracks in the labor market
06:08 – Musk’s trillion-dollar plan & the next wave of AI acceleration
07:20 – Inflation cooldown, mortgage rate pressure & refi window opening
08:33 – Housing supply issues, flood insurance updates & USDA loan changes
09:10 – Why private debt is dropping — and how it could push stocks higher

Stay informed. Stay sharp. Stay in the market.
https://linktr.ee/kptalksdollarsandsense

If you want to be contacted by the KP Talks Team about anything housing or mortgage related, click here:  https://hub.whisp.io/?pid=q8d75a85

#MortgageNews #FederalReserve #Economy #InterestRates #SocialSecurity #StockMarket #AI #HousingMarket #USDEconomy #KPTalksDollarsAndSense #FinanceUpdate

AI, Rates & The Flow of Money: What’s Really Driving the Market

From Denver to Dallas, KP goes behind the scenes at the Total Expert Customer Advisory Board and Accelerate Conference to unpack how AI, rates, and economic sentiment are reshaping housing, lending, and the broader economy.

As the government shutdown drags on and the Fed debates its next move, KP breaks down how credit, labor, and technology all connect — from small business struggles to trillion-dollar AI investments.

It’s a world balancing innovation and instability: rising productivity vs. slowing jobs, AI breakthroughs vs. compliance hurdles, and global uncertainty vs. a resilient U.S. economy.

Episode Highlights:
00:00 – Live from Denver: Total Expert Advisory insights & industry outlook
01:02 – AI in lending: compliance, automation & the next pivot point
02:14 – The Fed “driving in the fog” & the uncertain path to rate cuts
03:25 – Markets rally as geopolitical tension cools & money flows freer
04:38 – How AI, drones & automation are reshaping global productivity
06:05 – OpenAI’s $1.4T bet: the next wave of the AI bull run
07:16 – Labor slowdown & small business weakness: what’s next for growth
08:43 – Mortgage spreads, earnings reports & why companies are winning
10:05 – Berkshire Hathaway’s cash mountain & the energy race with China
11:32 – Setting goals for 2026: opportunity in an uncertain world

Stay informed. Stay ahead. Stay in the market.
🔗 https://linktr.ee/kptalksdollarsandsense

#MortgageNews #FederalReserve #AI #InterestRates #StockMarket #HousingMarket #Economy #LaborMarket #SmallBusiness #TechTrends #KPTalksDollarsAndSense #FinanceUpdate

The Longest Game, the Softest Landing

After the longest World Series game in history, America woke up to more than just baseball headlines. Freddie Freeman’s walk-off capped an unforgettable night — but the bigger story may be the economy’s own “extra innings.” With the Fed cutting rates again and inflation showing signs of cooling, KP breaks down how these shifts could spark a comeback for housing, stocks, and small business optimism.

From the diamond to Wall Street, this week’s episode connects the dots between passion, patience, and performance — and what they all mean for your wallet.

Episode Highlights:
00:00 – Dodgers’ epic win & lessons from extra innings
02:45 – CPI, inflation, and why “less than feared” matters
05:20 – The Fed’s latest rate cut: relief or warning?
07:10 – Housing, mortgages & why buyers are waking up
09:00 – Bonds, stocks, and where smart money is flowing
10:15 – The Magnificent Seven, AI, and the next market wave

Stay sharp. Stay resilient. Stay informed.
https://linktr.ee/kptalksdollarsandsense

#Economy #FederalReserve #Inflation #StockMarket #HousingMarket #Dodgers #WorldSeries #SoftLanding #FinancePodcast #KPTalksDollarsAndSense

Shutdowns, CPI & The Market’s Balancing Act

With the government shutdown freezing key data, all eyes are on Friday’s CPI report — the one number that could send markets swinging. Meanwhile, mortgage rates hit their lowest point in three years, tech stocks like Apple and Google are near all-time highs, and the Fed faces pressure to cut rates again.

It’s a market caught between momentum and mayhem: falling rates vs. rising delinquencies, strong corporate earnings vs. labor strain, and an AI-fueled boom vs. political uncertainty.

From the floor of the NBA Annual in Las Vegas to the AIME Fuse show in Nashville, KP shares on-the-ground insights about what’s really driving sentiment in housing, lending, and the broader economy.

Episode Highlights:
00:00 – Live from Las Vegas: NBA Annual & housing market buzz
01:12 – $2T mortgage forecast and the Fed’s next move
02:19 – Inflation’s big moment: CPI as the only major data drop
03:33 – Shutdown impact: labor data blackout & market reactions
04:46 – Corporate earnings crush expectations amid volatility
06:13 – Credit, car loans, and rising delinquencies
07:14 – Labor gaps, deportations & the U.S. workforce strain
08:21 – AI, tech stocks & the “new normal” in productivity
09:00 – Why the next CPI print could change everything

Stay informed. Stay ahead. Stay in the market.
https://linktr.ee/kptalksdollarsandsense

#MortgageNews #FederalReserve #Inflation #CPI #InterestRates #StockMarket #AI #HousingMarket #GovernmentShutdown #KPTalksDollarsAndSense #FinanceUpdate

Blockchain, Markets & Global Trade Tensions

From blockchain innovation to global trade spats, KP dives into the latest forces shaping the economy. Rare earth minerals, cryptocurrency liquidations, and weakening labor trends are impacting bond rates, mortgage activity, and the flow of money. Meanwhile, earnings season kicks off, housing and refinancing activity shift, and geopolitical events add uncertainty to markets.

It’s a week of push-and-pull forces: low rates vs. market volatility, trade tensions vs. economic growth, government shutdowns vs. labor reports, and crypto dislocations vs. bond yields. KP breaks down what it all means for rates, housing, credit, and the broader economy.

Episode Highlights:
00:00 – Blockchain, stablecoins & the rewiring of global payments
02:15 – Crypto liquidations: lessons from $19B in losses
04:05 – Mortgage and housing market update: rates, refis & equity
06:20 – Government shutdown: impact on labor data and CPI reporting
08:10 – Earnings season kickoff: banks, data centers & GDP drivers
10:05 – Trade tensions: China, rare earths & U.S. tariffs
12:00 – Geopolitics: Israel, Hamas, Ukraine & energy agreements
14:10 – Veteran prosperity & charitable highlights from Carrington
16:05 – Market takeaways: volatility, liquidity, and long-term outlook

Stay informed. Stay ready. Stay ahead.
https://linktr.ee/kptalksdollarsandsense

#MortgageNews #GlobalMarkets #Refinance #InterestRates #Blockchain #Crypto #TradeWars #HousingMarket #GovernmentShutdown #KPTalksDollarsAndSense #FinanceUpdate

$11 Billion Lost in the Shutdown

A government shutdown that cost the U.S. economy $11 billion — with $3 billion gone for good — has ripple effects reaching far beyond Washington. From delayed federal data to frozen loans and rising uncertainty, KP unpacks how this political standoff is shaping markets, rates, and Main Street.

But it’s not all bad news: while the Fed faces new limits, credit and mortgage activity are heating up, and small businesses are showing the resilience that keeps America moving. From PRMG’s senior management insights to the AI Summit in Dana Point, KP and guest Chuck Sisson dive into the future of lending, automation, and innovation.

It’s a story of contrasts — shutdown vs. stimulus, slowdown vs. innovation, and big banks vs. small business grit.

Episode Highlights:
00:00 – How the shutdown cost $11B (and $3B unrecovered)
02:40 – Mortgage equity, funding momentum & hiring trends
05:25 – Fifth Third’s $11B Comerica acquisition explained
07:00 – Auto industry shifts, EVs & bankruptcies to watch
09:20 – Insights from the IMN AI Summit at Dana Point
11:00 – Small business innovation vs. big lender dominance
13:00 – AI, jobs, and Peter Lynch’s “America innovates” quote

Stay sharp. Stay resilient. Stay informed.
https://linktr.ee/kptalksdollarsandsense

#Economy #GovernmentShutdown #MortgageNews #SmallBusiness #AI #Innovation #HousingMarket #FederalReserve #FinancePodcast #KPTalksDollarsAndSense

Government Shutdown, Jobs Week & Sticky Inflation

A possible government shutdown could delay key economic reports, leaving us guessing on the health of the labor market. Meanwhile, mortgage rates remain low, home sales are slowly stabilizing, and refinancing activity is picking up — but labor and inflation trends could shift everything.

It’s a week of push-and-pull forces: government uncertainty vs. economic data, low rates vs. sticky inflation, housing equity vs. credit costs, and Fed caution vs. market expectations.

From insights at the ZDI Customer Advisory Board to FICO updates and policy moves out of Washington, KP breaks down what all of it means for rates, housing, credit, and the broader economy.

Episode Highlights:
00:00 – Government shutdown: how it could impact jobs reports
02:10 – Labor market trends: who’s winning and who’s struggling
04:32 – Housing market reality check: price cuts and inventory shifts
06:39 – Mortgage refinancing surge & low-rate benefits
08:11 – FICO updates, credit scoring changes & consumer impact
10:07 – Inflation trends: sticky numbers and true real-time data
12:13 – AI Summit insights & revenue-per-employee metrics
14:05 – Policy updates: CFPB, flood insurance, and federal budget watch

Stay informed. Stay ready. Stay ahead.
https://linktr.ee/kptalksdollarsandsense

#MortgageNews #FederalReserve #HousingMarket #Refinance #InterestRates #Inflation #JobsReport #GovernmentShutdown #CreditUpdates #KPTalksDollarsAndSense #FinanceUpdate

Falling Rates, Rising Risks & The Jobs Question

Rates are coming down — giving small businesses cheaper money and sparking refinancing momentum. But with labor reports on deck, the big question is: will hiring follow, or will the Fed tap the brakes again?

It’s an economy full of push-and-pull forces: falling mortgage rates vs. sticky inflation, small business strength vs. labor market uncertainty, and Fed easing vs. the risk of doing too much, too soon.

 From Charleston insights at the ZDI Customer Advisory Board to fresh policy moves out of California, KP unpacks what it all means for rates, housing, credit, and the future of work in an AI-driven economy.

Episode Highlights:
00:00 – Why small businesses drive half of U.S. jobs
01:45 – Fed policy and labor data tug-of-war on rates
03:12 – The “Elon Line” & “Snoop Line”: bond markets explained
05:26 – Mortgage refinancing surges as rates fall
07:48 – Inflation updates, credit trends & housing impact
10:14 – AI’s real role in reshaping productivity and jobs
13:32 – California’s AI bill, federal budget fight & policy watch
16:25 – Charleston ZDI Customer Advisory Board insights with Mark Calabria

Stay smart. Stay ready. Stay informed.
https://linktr.ee/kptalksdollarsandsense

#MortgageNews #FederalReserve #HousingMarket #Refinance #InterestRates #Inflation #SmallBusiness #AI #KPTalksDollarsAndSense #FinanceUpdate