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The average 30-year fixed mortgage rate in the U.S. dipped slightly to 6.78% for this week. Though small, this stabilization could bring much-needed relief to homebuyers and the broader housing market.

Did you know that about 1 in 3 adults aged 18 to 34 in the U.S. still live with their parents? There’s absolutely no shame in this—whether you’re already living at home or considering moving back. In fact, I’ve been there myself.

Most of you know I house-hacked my first home by purchasing a duplex, living in one unit, and renting out the other. But after my son was born, my wife and I made the tough decision to move in with my in-laws during a challenging time.

According to the U.S. Census Bureau, this trend of young adults staying home has remained steady, even after a spike during the pandemic. But what’s behind it?

Key Factors Driving the Trend

Financial Struggles

More than 50% of Gen Z adults report that the high cost of living makes it impossible to afford the life they want, according to a 2024 Bank of America survey.

Economic Instability

From the Great Recession and the 2008 financial crisis to the pandemic, many young adults have faced significant financial challenges. With little to no emergency savings, it’s harder to bounce back from economic setbacks.

Cost vs. Benefit Mindset

For some, staying at home is a strategic financial decision. Personally, living with my in-laws has saved me tens of thousands of dollars on childcare and even more by avoiding rent or a mortgage on another property.

The Impact on Society

While living at home provides financial relief for individuals, it does have broader economic implications:

Reduced Consumer Spending

According to the Federal Reserve, a young adult who moves out spends about $13,000 more annually on essentials like housing, food, and transportation.

Shifting Societal Perceptions

In a 2022 survey, 36% of Americans viewed young adults staying with parents as bad for society, reflecting both cultural and economic concerns. However, this stigma needs to change.

In one of my earlier videos, I highlighted how housing prices far outpace wage growth, making independent living increasingly unattainable for many. Let’s not let pride get in the way of making smart financial choices.

Have you ever experienced unexpected bloating, headaches, or joint pain after a meal? It’s a common experience for many, yet few realize that these symptoms could be due to food sensitivities. Despite their impact, food sensitivity tests are rarely part of standard check-ups or routine doctor visits.

Historically, home sales have often risen the year after a presidential election, with sales increasing in nine of the last eleven election cycles. Forecasts for next year suggest around 4.6 million existing home sales, potentially extending this trend.

Why the Anticipated Increase?

Buyer Hesitation:

23% of first-time buyers are waiting, mainly due to high prices and rates.

Rate Forecasts:

Expected mortgage rate decreases could bring more buyers into the market.

Historically, home sales have often risen the year after a presidential election, with sales increasing in nine of the last eleven election cycles. Forecasts for next year suggest around 4.6 million existing home sales, potentially extending this trend.

Why the Anticipated Increase?

Buyer Hesitation:

23% of first-time buyers are waiting, mainly due to high prices and rates.

Rate Forecasts:

Expected mortgage rate decreases could bring more buyers into the market.

After creating a video on how I spent $1,000 on improving my morning routine, I realized that establishing an evening routine is just as essential—especially when it comes to sleep. With a newborn in the house, sleep has been scarce, so I decided to invest in courses to help me optimize my rest. Here are a few key tips I’ve learned that have truly transformed my nights.

You know, the toughest thing sellers face these days isn’t staging or finding the right buyer—it’s nailing that asking price. In fact, 58% of sellers struggle with it. And here’s the deal: if you price it too high, buyers won’t bite, and your listing will just sit there, collecting dust.

A common misconception in Pennsylvania real estate is that sellers must be present at the closing. In reality, as long as all costs are settled and documents are signed, you’re good to go! It’s important to remember that the required documents need a notary, so working with a reliable title company or notary is essential to ensure everything is filled out correctly.

The great news is that these documents can typically be signed at your convenience—whether that’s in the comfort of your own home or at the office. You can schedule this at a time that works best for you.

Historically, many sellers would attend closings, and I believe this can be beneficial. Being present allows for immediate clarification of any questions and facilitates direct communication, which helps everyone understand the transaction fully. However, in recent years, I’ve noticed a growing trend of sellers opting to sign paperwork beforehand and not attending the closing.

While this is more convenient for some, I still encourage sellers to consider the benefits of attending, as it can lead to a smoother closing experience.

So, I gotta tell you, I spent over $1,000 to learn this morning routine that’s seriously leveled up my life. And since it’s been a game-changer for me, I’m giving you the inside scoop. Let’s get into it.

Want to know my morning routine? Here’s how I kick things off every day:

Hydrate First Thing: The moment I wake up, I drink about 16 oz of water. Pro tip: aim for 1 oz of water per 10 pounds of body weight. You actually lose a lot of water while you’re sleeping. Starting your day hydrated does wonders for your alertness, metabolism, and digestion. Plus, it just feels good.

Get Some Sun: Next, I head outside for a few minutes to soak up some sunlight. It’s like hitting a mental reset button—helps with alertness, boosts your mood, and sets your circadian rhythm.

Breathwork Is Key: Now, I know when people hear “breathwork,” it sounds all crazy, but it’s not like that. It’s just about using your breath to tap into your energy and calm the mind. I used to do the Wim Hof breathing technique (From a Tony Robbins event), but now I’m into an energy activation breathwork that only takes 5 minutes. (Hit me up if you want the details on this—it’s legit.)

Meditate or Pray: After breathwork, I take time to either meditate or pray—personally, I connect with Jesus in the mornings. It’s a great way to center yourself before the hustle begins.

Tea or Coffee (Your Call): I brew a cup of yerba mate tea because it gives me that clean energy without the jitters. But if you’re more of a coffee person, do you! It’s about finding what works for your vibe.

The Last Step (Do YOU): Now you’re ready to move. Whether you jump straight into your day, go for a walk, hit the gym, or brave a cold shower, it’s all good. I usually go for a cold exposure at the end—it’s intense, but sets the tone.

This routine has seriously upgraded my mornings, and I believe it can do the same for you. Try it out and let me know how it goes! If you’ve already got a routine that’s working for you, I’d love to hear about it.

Hit me up via email, text, or DM if you’ve got any questions or want the scoop on that breathwork technique I mentioned.

Many buyers have stayed on the sidelines due to higher rates in the last couple of years. However, if you’re considering a move—whether it’s upgrading to a larger home or downsizing—the current difference in your monthly payment may be much less than you think.

For those of you receiving my newsletter and Homebot updates, you already have insights into your home’s value. Homebot provides a great way to monitor your home equity, which could be the key to helping you make your next move.

If you’ve been considering a change, now might be the perfect time. Your current equity, paired with favorable market conditions, can open the door to possibilities that could better align with your lifestyle.

Whether you’re looking for more space or a simpler setup, I’m here to help guide you through the process.

https://youtu.be/aF87PgYQpIc As we look ahead to the real estate market of 2025, I’m excited to share some insights on what the experts are forecasting. There’s a lot to be optimistic about, especially for buyers who have been waiting for a shift in the market.   Mortgage Rates and Market Conditions One of the key takeaways