This episode of Life at Ten Tenths explores the complex intersection of rising consumer debt, home equity, and interest rates in early 2025. Garrett and Matt get into how these factors are creating unique market conditions and opportunities in real estate.

Key Topics:

• The growing trend of homeowners considering trading their low 3% mortgages for higher rates to address mounting credit card debt
• How the pandemic accelerated many people's moving timelines, creating a temporary "dead zone" in the market
• Why more homeowners are now ready to make moves despite higher interest rates
• The psychological aspects of how people prioritize different types of debt
• Current market dynamics showing healthy levels of home equity despite rising consumer debt

Notable Insights:

• Consumer debt has reached approximately $18 trillion while home equity stands at around $32 trillion
• The housing market remains fundamentally healthy with strong equity positions
• More sellers are trying to push listing prices higher to maximize equity extraction
• An increase in job changes and corporate recruiting is contributing to market movement
• The critical role of trust between realtors and clients in navigating financial decisions

Curious how current conditions might stack up against the 2008 housing crisis and why today's market is better positioned to handle financial stress? Listen in! Further, Matt and Garrett will touch on the importance of positioning yourself as a trusted advisors who can help homeowners make informed decisions while they go through this time.

Feeling overwhelmed by your goals? You're not alone.

In this wild and crazy profession as real estate agent, having goals is a first step towards building a thriving business, but knowing which goals to go after first can make all the difference!

Let's discuss how to cut through the noise, focus on what really matters, and prioritize actions that create a domino effect for success.

This is applicable to your business goals, but also any personal or health-related goals. Learning how to stack your goals and streamline your efforts can ultimately save you from burnout while having dramatically better results.

====================

CONNECT WITH US

IG: @lifeattentenths

FB: https://www.facebook.com/lifeattentenths/

mailto:[email protected]

====================

SUPPORT THE PODCAST

Love our content? Consider supporting us by leaving a review and sharing with a friend that needs to hear this!

New episodes every Monday and Thursday.

You can also get more by joining the Life at Ten Tenths Community.

We are here for you! Thank you for allowing us to walk alongside you and your business.

===========================

MORE ABOUT LIFE AT TEN TENTHS

**Coach with Matt & Garrett in a group setting or 1-on-1. Check out opportunities at https://lifeattentenths.com

**If you are interested in having Matt and Garrett speak to your office, organization or event, inquire at [email protected]

**For Coaching or App Support reach out to [email protected]

===========================

To find Matt Bonelli out in the wild, aka on social media ➡︎

https://www.facebook.com/matt.bonelli.7

https://www.instagram.com/matthewjbonelli/

https://www.linkedin.com/in/mattbonelli/

To find Garrett Frey out in the wild, aka on social media ➡︎

https://www.facebook.com/garrett.frey.507

https://www.instagram.com/garrett_lifeatten

https://www.linkedin.com/in/garrett-frey/

Are you getting the outcomes you want, or do you feel stuck and unsure why?

In this episode, Garrett and Matt dive deep into how skills, mindset, and strategy impact your business outcomes. They explore the power of asking better questions, analyzing setbacks, and refining your approach to achieve long-term growth.

Listen in as they share real-world examples and practical tips for honing your skills, building resilience, and turning obstacles into opportunities. From improving communication to fine-tuning your follow-up game, this episode is packed with insights to help you thrive in the ever-evolving real estate market.

Whether you're looking to boost your closing rates, master client communication, or simply sharpen your skillset, this conversation will inspire and equip you to take your business to the next level. Don't miss out—start unlocking your true potential today!

Are you tired of hoping for success instead of creating it?

This episode explores the #1 obstacle holding real estate agents back—making excuses instead of taking action. Discover why some agents consistently deliver results while others stay stuck in "hopefully" mode.

Learn how to transform your business from wishful thinking to systematic success.

Learn:

- Why your client processes work (and why your business building doesn't)

- How to create non-negotiable standards that drive results

- The identity shift that turns "hoping" into "knowing"

- Simple strategies to make your success predictable

- Why confusion leads to excuses (and how to fix it)

This isn't just another motivational talk—it's your blueprint for building systems that work. Whether you're struggling with consistency or ready to level up your business, this episode delivers actionable insights to help you stop making excuses and start seeing results.

Perfect for agents wanting predictable growth, teams looking to strengthen their systems, brokers building sustainable businesses, and anyone tired of "hoping" for success.

====================

RESOURCES and TOOLS

The Eleven Circle Check out the free 7-day trial to the Life at Ten Tenths’ Coaching and Community. Get full access to all of our business planning videos, downloads and guides. https://lifeattentenths.com

====================

CONNECT WITH US

IG: @lifeattentenths

FB: https://www.facebook.com/lifeattentenths/

mailto:[email protected]

====================

SUBSCRIBE AND LISTEN to the Life at Ten Tenths Podcast

Don’t forget to hit the like button, subscribe, and turn on notifications so you never miss a thing.

➡︎YT: https://www.youtube.com/channel/UCuTwTcx0tXXkqPXeLonp9-g

➡︎Apple: https://podcasts.apple.com/us/podcast/life-at-ten-tenths/id1749551622

➡︎Spotify: https://open.spotify.com/show/319VGdmOPEQdQVWIJs7PzI?si=2e22546a1a2b42df

====================

SUPPORT THE PODCAST

Love our content? Consider supporting us by leaving a review and sharing with a friend that needs to hear this!

New episodes every Monday and Thursday.

You can also get more by joining the Life at Ten Tenths Community.

We are here for you! Thank you for allowing us to walk alongside you and your business.

====================

EPISODE HIGHLIGHTS

1:02 The Truth About Business Excuses

3:07 Where Accountability Really Matters

4:09 The Difference Between Client Work & Business Building

7:02 Identity & Standards: What You Say vs. What You Do

9:10 Building Systems That Actually Work

11:54 Making Time for What Matters

15:51 The Power of Understanding "Who Benefits"

19:01 Creating Clear Action Plans & Standards

21:12 You Already Know How to Do This

23:14 Learning from Feedback & Criticism

25:34 Making Business More Predictable

26:30 The Real Cost of Making Excuses

===========================

MORE ABOUT LIFE AT TEN TENTHS

**Coach with Matt & Garrett in a group setting or 1-on-1. Check out opportunities at https://lifeattentenths.com

**If you are interested in having Matt and Garrett speak to your office, organization or event, inquire at [email protected]

**For Coaching or App Support reach out to [email protected]

===========================

To find Matt Bonelli out in the wild, aka on social media ➡︎

https://www.facebook.com/matt.bonelli.7

https://www.instagram.com/matthewjbonelli/

https://www.linkedin.com/in/mattbonelli/

To find Garrett Frey out in the wild, aka on social media ➡︎

https://www.facebook.com/garrett.frey.507

https://www.instagram.com/garrett_lifeatten

https://www.linkedin.com/in/garrett-frey/

===========================

#lifeattentenths #realestatecoaching #businesspodcast #mattbonelli #garrettfrey

Our mission at Life At Ten Tenths is to help real estate professionals, mortgage professionals, and small business owners live more, earn more and do more. We believe together we can go further, faster. By bringing together positive, like-minded individuals who approach their business with gratitude and abundance, we are raising the vibration and amplifying results. Your hearts and drive fuels everything we do to help you grow both personally and professionally. Let’s Go!

From $40K to $500K: How Jess Babington Built a Thriving Real Estate Business While Keeping Work-Life Harmony.

Meet Jess Babington. In this candid conversation, Jess opens up about her remarkable journey from making $40,000 a year to becoming a top-producing luxury real estate agent in Lake Norman, North Carolina. But what makes her story unique isn't just the numbers – it's how she achieved her best year ever in 2024's challenging market while maintaining genuine work-life balance.

Jess shares her vulnerable transformation from a self-doubting team member to a confident solo agent, revealing how she overcame her fear of being "salesy" to build an authentic, referral-based business.

You'll learn her practical strategies for creating lasting client relationships, including her refreshing take on social media marketing and community involvement.

This episode goes beyond typical real estate success stories to explore:

• How to build a business that bends but doesn't break during personal challenges
• Why focusing on relationships trumps chasing transactions
• The power of giving back to your community (including an inspiring story about service dogs for veterans)
• Simple but effective marketing strategies that won't break the bank
• How to create genuine collaboration in a traditionally competitive industry

Whether you're just starting in real estate or looking to scale while maintaining balance, Jess's story proves that success doesn't have to come at the cost of personal well-being.

Listen in as she shares the mindset shifts and practical steps that helped her build a business that serves her life rather than consuming it.

The real estate market continues to shift, and rising inventory levels are making waves. What does this mean for agents navigating 2025?

Garrett and Matt break it all down, offering strategies and fresh perspectives on how to adapt and thrive in a changing landscape.

Listen in as they explore key predictions for the year ahead, from inventory trends to buyer confidence. Position yourself for success—whether it’s advising clients on listing strategies, navigating market changes, or building resilient businesses.

This episode is packed with actionable tips to help you understand the dynamics of supply and demand, communicate effectively with clients, and make informed decisions that drive results.

Whether you're a seasoned pro or new to the field, this discussion will equip you with the tools you need to navigate 2025's housing market with confidence and clarity. Don’t miss out—your clients (and your business) will thank you!

Energy, body language, and communication can either build trust or create barriers. Discover how to harness these tools to foster stronger connections and meaningful relationships.

Listen in as Matt and Garrett discuss how subtle, non-verbal cues play a massive role in client interactions. They dive into the predator vs. prey dynamic that often exists in sales and how to break it down. Drawing from personal stories, coaching experience, and insights from their Life at Ten Tenths community, they challenge you to rethink your approach to building trust in your business.

As always, the episode is peppered with practical strategies inspired by their own learning journeys, helping real estate agents and business professionals to improve your own communication, connect authentically with your clients, and foster better, lasting relationships.

Whether you’re a seasoned agent, a business owner, or just curious about how energy and intention impact success, this episode offers actionable tips and fresh perspectives to elevate your game.

Do you ever feel like your real estate business is a bit of a roller coaster? You are not alone! But there is a fix, and you can start today.

In this episode of Life at Ten Tenths, Matt and Garrett dive into why success can sometimes be your biggest obstacle to staying consistent and achieving your goals. They explore the all-too-familiar “real estate roller coaster” and share actionable strategies to help you smooth out the ride.

Learn how to stay on track with your 2025 business plan, avoid distractions from early wins, and maintain consistent momentum all year long. From weekly check-ins to building partnerships that keep you ahead, this episode is packed with tips to help real estate and mortgage professionals thrive.

Whether you’re navigating a sudden surge in business or striving to stay focused amidst success, these insights will help you master your plan and create sustainable results.

**** Have you ever been thrown off track by early success? Do you have a plan for consistency in the new year? Share your story or questions in the comments—we’d love to hear from you!

====================

RESOURCES and TOOLS

The Eleven Circle Check out the free 7-day trial to the Life at Ten Tenths’ Coaching and Community. Get full access to all of our business planning videos, downloads and guides. https://lifeattentenths.com

====================

CONNECT WITH US

IG: @lifeattentenths

FB: https://www.facebook.com/lifeattentenths/

mailto:[email protected]

====================

SUBSCRIBE AND LISTEN to the Life at Ten Tenths Podcast

Don’t forget to hit the like button, subscribe, and turn on notifications so you never miss a thing.

➡︎YT: https://www.youtube.com/channel/UCuTwTcx0tXXkqPXeLonp9-g

➡︎Apple: https://podcasts.apple.com/us/podcast/life-at-ten-tenths/id1749551622

➡︎Spotify: https://open.spotify.com/show/319VGdmOPEQdQVWIJs7PzI?si=2e22546a1a2b42df

====================

SUPPORT THE PODCAST

Love our content? Consider supporting us by leaving a review and sharing with a friend that needs to hear this!

New episodes every Monday and Thursday.

You can also get more by joining the Life at Ten Tenths Community.

We are here for you! Thank you for allowing us to walk alongside you and your business.

===========================

MORE ABOUT LIFE AT TEN TENTHS

**Coach with Matt & Garrett in a group setting or 1-on-1. Check out opportunities at https://lifeattentenths.com

**If you are interested in having Matt and Garrett speak to your office, organization or event, inquire at [email protected]

**For Coaching or App Support reach out to [email protected]

===========================

To find Matt Bonelli out in the wild, aka on social media ➡︎

https://www.facebook.com/matt.bonelli.7

https://www.instagram.com/matthewjbonelli/

https://www.linkedin.com/in/mattbonelli/

To find Garrett Frey out in the wild, aka on social media ➡︎

https://www.facebook.com/garrett.frey.507

https://www.instagram.com/garrett_lifeatten

https://www.linkedin.com/in/garrett-frey/

Our mission at Life At Ten Tenths is to help real estate professionals, mortgage professionals, and small business owners live more, earn more and do more. We believe together we can go further, faster. By bringing together positive, like-minded individuals who approach their business with gratitude and abundance, we are raising the vibration and amplifying results. Your hearts and drive fuels everything we do to help you grow both personally and professionally. Let’s Go!

Join Matt and Garrett as they dive deep into the hidden connection between health and real estate success. Drawing from their extensive coaching experience, they reveal how seemingly minor health issues can silently sabotage your business performance and bottom line. Together, they explore why many agents unknowingly let small health challenges derail their momentum – from missed opportunities due to low energy to how recurring illnesses can destroy your most productive weeks.

Surprising insights about how "powering through" minor health issues might be costing you more than you realize. Whether you're a top producer looking to optimize your performance or an agent struggling with recurring health setbacks, this episode provides actionable strategies to protect your business from health-related disruptions. Learn how to identify hidden health impacts, implement preventative measures, and create systems that keep you performing at your peak even during challenging times.

Ready to stop letting small health issues derail your real estate success? Join the conversation and discover how taking control of your health could be the game-changing factor in your 2025 business plan.

====================

RESOURCES and TOOLS

The Eleven Circle Check out the free 7-day trial to the Life at Ten Tenths’ Coaching and Community. Get full access to all of our business planning videos, downloads and guides. https://lifeattentenths.com

====================

CONNECT WITH US

IG: @lifeattentenths

FB: https://www.facebook.com/lifeattentenths/

mailto:[email protected]

====================

SUBSCRIBE AND LISTEN to the Life at Ten Tenths Podcast

Don’t forget to hit the like button, subscribe, and turn on notifications so you never miss a thing.

➡︎YT: https://www.youtube.com/channel/UCuTwTcx0tXXkqPXeLonp9-g

➡︎Apple: https://podcasts.apple.com/us/podcast/life-at-ten-tenths/id1749551622

➡︎Spotify: https://open.spotify.com/show/319VGdmOPEQdQVWIJs7PzI?si=2e22546a1a2b42df

====================

SUPPORT THE PODCAST

Love our content? Consider supporting us by leaving a review and sharing with a friend that needs to hear this!

New episodes every Monday and Thursday.

You can also get more by joining the Life at Ten Tenths Community.

We are here for you! Thank you for allowing us to walk alongside you and your business.

===========================

MORE ABOUT LIFE AT TEN TENTHS

**Coach with Matt & Garrett in a group setting or 1-on-1. Check out opportunities at https://lifeattentenths.com

**If you are interested in having Matt and Garrett speak to your office, organization or event, inquire at [email protected]

**For Coaching or App Support reach out to [email protected]

===========================

To find Matt Bonelli out in the wild, aka on social media ➡︎

https://www.facebook.com/matt.bonelli.7

https://www.instagram.com/matthewjbonelli/

https://www.linkedin.com/in/mattbonelli/

To find Garrett Frey out in the wild, aka on social media ➡︎

https://www.facebook.com/garrett.frey.507

https://www.instagram.com/garrett_lifeatten

https://www.linkedin.com/in/garrett-frey/

===========================

Our mission at Life At Ten Tenths is to help real estate professionals, mortgage professionals, and small business owners live more, earn more and do more. We believe together we can go further, faster. By bringing together positive, like-minded individuals who approach their business with gratitude and abundance, we are raising the vibration and amplifying results. Your hearts and drive fuels everything we do to help you grow both personally and professionally. Let’s Go!

Join Matt and Garrett as they reflect on the challenges and opportunities that defined 2024 and share actionable strategies to help real estate agents eliminate distractions, gain clarity, and dominate in 2025.

Together, they explore the critical role of a well-designed business plan and the processes that allow agents to thrive even in uncertain markets.

Drawing on years of coaching experience and insights from their *Life at Ten Tenths* community, Matt and Garrett highlight how distractions — from market uncertainty to personal roadblocks — can derail success if left unchecked. They challenge you to ask yourself: Are you driving your business with focus and intention, or are you letting distractions take the wheel?

Whether you’re a seasoned real estate professional, a new agent, or a business owner looking for clarity, this episode is packed with practical tips to help you build systems, strengthen relationships, and maintain your momentum in the year ahead.

Learn how to identify distractions, implement effective processes, and approach 2025 with confidence and purpose.

Are you ready to eliminate distractions and build a business that thrives no matter the market? Join the conversation and share how you’re staying focused and living at ten tenths!

====================

RESOURCES and TOOLS

The Eleven Circle Check out the free 7-day trial to the Life at Ten Tenths’ Coaching and Community. Get full access to all of our business planning videos, downloads and guides. https://lifeattentenths.com

====================

CONNECT WITH US

IG: @lifeattentenths

FB: https://www.facebook.com/lifeattentenths/

mailto:[email protected]

====================

SUBSCRIBE AND LISTEN to the Life at Ten Tenths Podcast

Don’t forget to hit the like button, subscribe, and turn on notifications so you never miss a thing.

➡︎YT: https://www.youtube.com/channel/UCuTwTcx0tXXkqPXeLonp9-g

➡︎Apple: https://podcasts.apple.com/us/podcast/life-at-ten-tenths/id1749551622

➡︎Spotify: https://open.spotify.com/show/319VGdmOPEQdQVWIJs7PzI?si=2e22546a1a2b42df

====================

SUPPORT THE PODCAST

Love our content? Consider supporting us by leaving a review and sharing with a friend that needs to hear this!

New episodes every Monday and Thursday.

You can also get more by joining the Life at Ten Tenths Community.

We are here for you! Thank you for allowing us to walk alongside you and your business.

====================

EPISODE HIGHLIGHTS

:::: ADD TIMESTAMPED HIGHLIGHTS HERE::::

===========================

MORE ABOUT LIFE AT TEN TENTHS

**Coach with Matt & Garrett in a group setting or 1-on-1. Check out opportunities at https://lifeattentenths.com

**If you are interested in having Matt and Garrett speak to your office, organization or event, inquire at [email protected]

**For Coaching or App Support reach out to [email protected]

===========================

To find Matt Bonelli out in the wild, aka on social media ➡︎

https://www.facebook.com/matt.bonelli.7

https://www.instagram.com/matthewjbonelli/

https://www.linkedin.com/in/mattbonelli/

To find Garrett Frey out in the wild, aka on social media ➡︎

https://www.facebook.com/garrett.frey.507

https://www.instagram.com/garrett_lifeatten

https://www.linkedin.com/in/garrett-frey/

===========================

#lifeattentenths #realestatecoaching #businesspodcast #mattbonelli #garrettfrey

Our mission at Life At Ten Tenths is to help real estate professionals, mortgage professionals, and small business owners live more, earn more and do more. We believe together we can go further, faster. By bringing together positive, like-minded individuals who approach their business with gratitude and abundance, we are raising the vibration and amplifying results. Your hearts and drive fuels everything we do to help you grow both personally and professionally. Let’s Go!