Mortgage Rates Are Moving. Here’s What You Need to Know
I wanted to give you a quick real talk breakdown of what’s happening in the market right now, especially with mortgage rates moving around this month.
The past few weeks have been a bit of a rollercoaster. Rates climbed back over 7 percent and now they’re sitting just under that, around 6.87 percent according to Mortgage News Daily.
It sounds small, but this one habit has had a massive impact on how I show up for my business, my family, my training, and myself. The idea came from a book called Buy Back Your Time by Dan Martell. And as someone who thrives on structure and discipline, it clicked right away.
Here is how it works for me.
Every night at 8PM, my phone goes off. That timer is not for sleep it is my cue to wind down and transition with intention. I use that hour between 8 and 9PM to unplug, reflect, stretch, pray, read, or just sit in stillness. No screens. No scrolling. No distractions.
Why?
Because I realized the way I ended my day was sabotaging the next one.
Back when I would stay up watching Jiu Jitsu clips or scrolling social media, I convinced myself it was relaxing. But I was really just exhausted and escaping. That kind of burnout stacks up fast. My mornings felt heavy. My brain was foggy. And I was showing up reactive instead of ready.
Since I started honoring that 8PM boundary, everything shifted. I wake up at 4:45AM feeling focused, energized, and in control. My business feels sharper. My time with my family feels more present. And I feel like I am leading from a place of clarity, not chaos.
Here is the truth
discipline does not start in the morning. It starts the night before.
And for me, that 8PM timer became a meeting with my future self. A signal to protect my time, my energy, and my peace. Some nights I slip, but I always feel the difference. The next day feels heavier, more rushed, and more reactive.
So here is my challenge to you. Try it tonight.
Pick a timer one hour before your ideal bedtime. Protect that hour like a VIP meeting. Unplug. Breathe. Reflect. Stretch. Journal. Whatever helps you slow down with purpose.
Try it for seven days and ask yourself do I feel more focused in the morning? More present during the day? Less drained by the end of it?
This is one of the tiniest habits I have ever added, but also one of the most powerful.
If this message speaks to you, reply back or tag me on Instagram. I would love to hear how your evening routine evolves.
We are all building towards something meaningful, and it starts with being intentional especially when no one is watching.
Much love, John Lee
Mortgage Rates Are Moving. Here’s What You Need to Know Read More »