Radio Show Notes 01/14/26 Wednesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Midweek Market Report: Mortgage Rates Stabilize: Why Decisive Buyers Win Right Now
By Eric Willner, Investor, Coach, and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest running daily radio show about real estate.My name is Eric Willner, known as The Voice of Real Estate and founder of America’s longest running daily radio show about real estate—and creator of The Automatic Landlord System for Owning Cash-Flowing Real Estate “Profitably and Hassle-Free.”This show is a virtual real estate seminar in every episode, and today you are tuned in to the Wednesday Midweek Mortgage & Market Report Edition of The Real Estate Show.
This is where we zoom out, check the pulse of the market, and then zoom back in to answer the most important question of all: What should you do next?Because as we laid out on Monday—For Fearless Foundations: The Decision Comes First.
Everyone Is IN Real Estate—Whether You Like It or Not
Everyone is in real estate. Period.
You are either IN real estate because you own it. You searched it, negotiated it, closed on it—and now you enjoy the pride of ownership, tax benefits, long-term appreciation, and the leverage that real estate provides.
Or you are ON real estate—paying rent directly, or indirectly, by working for an employer who pays the rent on your workplace. Either way, your money is supporting someone else who is IN real estate.
Here’s the bottom line—and this is critical:
For a homeowner who pays off their mortgage, financial freedom means living on a dramatically reduced budget, making retirement not just possible but probable.For a renter, financial freedom requires building a much larger nest egg just to generate enough cash flow to keep up with a perpetual, ever-increasing rent payment.
That’s not opinion. That’s math.
The Theme: For Fearless Foundations, the Decision Comes First
This is why today’s show matters.
For Fearless Foundations: The Decision Comes First isn’t a slogan—it’s a strategy.Real estate rewards clarity, commitment, and long-term thinking. Indecision is expensive. Waiting has a cost. And hesitation quietly compounds against you.
Three Market-Driven “Did You Know?” Questions
Did you know that despite elevated rates, homeownership continues to outperform most other long-term investments because of leverage, tax advantages, and inflation protection?
Did you know that periods of rate stability—not rate crashes—have historically produced the strongest buying opportunities for disciplined buyers?
Did you know that most successful homeowners didn’t buy at the “perfect” time—they bought when they decided to understand how the system works?
Today’s show is about For Fearless Foundations: The Decision Comes First—and why knowing how that works is essential to a real estate plan that actually leads to success.
Before the Meat of the Show—Free Workshops You Need to Know About
Before we go further, let me remind you of this week’s FREE workshops:
1st and 3rd Tuesdays at 8:00 PM – Path to Home Ownership IntroductionOnline by invitation. Text PATH to 561-861-2366
Do finances challenge you? Most people say YES.
That’s why we created The Financial Edge—the education and knowledge that actually moves the needle. We are your Financial Team.
Join us every Wednesday night at 8:30 PM Eastern by texting EDGE to 561-861-2366.
We believe in a 3-pronged approach:
And every Wednesday at 8:30 PM, we host the Financial Edge Academy “101 Overview”. Text EDGE to 561-861-2366.
Today’s Trending Mortgage & Market Update
Here are the top trending topics driving today’s update—sourced from Bankrate and major national outlets:
“Today’s national 30-year mortgage interest rate trends”
As of Wednesday, January 14, 2026, the average 30-year fixed mortgage rate is 6.14%.The average 30-year refinance rate is around 6.50%.
Here’s the key takeaway—another flat week equals stability.
Since rates hit a 2025 low near 6.25% in late October, they’ve moved very little. That’s not bad news—that’s a decision window.
The Policy Shock That Moved Rates—Briefly
Last week, Donald Trump announced on social media that he directed Fannie Mae and Freddie Mac to purchase $200 billion in mortgage-backed securities.
Mortgage rates, already near a 15-month low, briefly dipped below 6%.
Why does that matter?
Because Fannie and Freddie back roughly two-thirds of U.S. home loans. When government-sponsored buyers increase demand for mortgage bonds, rates can compress.
As Ken Johnson, a finance professor at the University of Mississippi, put it:
“The goal here is to shrink the spread between the 10-year Treasury yield and the 30-year mortgage rate.”
That spread widened during inflation. Any compression helps borrowers—but experts caution it may not be permanent.
Inflation remains above the Fed’s 2% target at 2.7%, while unemployment has ticked up to 4.6%. Conflicting signals. Translation? Uncertainty favors preparation—not procrastination.
As Samir Dedhia, CEO of One Real Mortgage, reminds us:
“Mortgage rates don’t follow Fed cuts directly. They respond to broader expectations around inflation, employment, and long-term economic strength.”
What This Means for You—In Real Dollars
For the week of January 11th, top offers on Bankrate were 0.67% lower than the national average.On a $340,000 loan, that’s roughly $1,736 per year in savings.
Top rate seen: 5.63%National average: 6.14% (30-year fixed)15-year: 5.53%10-year: 5.40%ARMs? Not popular right now.
When would NOW be a great time to consult your mortgage professional? Text LOAN to 561-861-2366.
And tune in tomorrow for the ATM Edition – About The Money, where we’ll explain how some buyers are getting rates in the 4s and investor loans in the 5s.
MID-SHOW COMMERCIAL BREAK
Text the word EDGE to 561-861-2366Education changes outcomes. We’ll be right back.
Prepare Early—Because Opportunity Favors the Ready
Whether you need a mortgage now or in the next year or two, it’s critical to prepare early. Get pre-qualified. Know where you stand.
We also have inside information on:
That’s why you stay connected to this show.
What We’ve Been Watching the Last Few Weeks
We’ve covered headlines like:
This week, here are the top real estate and homebuying trends people are searching:
Big News Article #1: Refinance Demand Surges
My headline: Mortgage Refinance Demand Explodes as Rates Tease Sub-6%
Key points, in plain English:
According to the Mortgage Bankers Association, total mortgage application volume jumped 28.5%.
MBA economist Joel Kan said:
“This was a real move based upon the rate drop. Spreads had been moving in even before the announcement.”
Why does this matter to today’s theme?
Because it proves the point: when people sense opportunity, action follows.Fearless foundations aren’t built when everything is perfect—they’re built when informed buyers decide.
You can check this and more at AutomaticLandlord.com.
Big News Article #2: The Market Is Balancing
The Housing Market Isn’t Crashing—It’s Normalizing
According to a CNBC housing survey:
Agent Ashley Rummage put it best:
“Sentiment has shifted from anxiety to cautious optimism.”
This is huge.
Balanced markets create options. Options create negotiation power. And negotiation power rewards buyers who are prepared.
That’s why this is the moment to own. Not because it’s easy—but because it’s possible.
The Decision Comes First—Always
Let me land this plane.
Markets move. Rates fluctuate. Headlines scream.But real estate rewards one thing consistently: decisive, educated action.
That’s what For Fearless Foundations: The Decision Comes First means.
Final Call to Action
Text EDGE to 561-861-2366Join us tonight. Get educated. Build your financial team.
Thank you for listening—but don’t just listen. Use this show to get started in real estate investing. Tune in every weekday to The Real Estate Show—a literal seminar in every episode.
Join us tomorrow for the ATM Edition – About The Money.And share this show with someone who should own real estate—but hasn’t decided yet.
This is The Real Estate Show.I’m Eric Willner.Make the decision—and build the foundation.
Radio Show Notes 01/13/26 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
The Real Estate Advantage: Tools, Strategies, and the Power of Deciding First
Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest running daily radio show about real estate.My name is Eric Willner, known as The Voice of Real Estate—founder of America’s longest running daily radio show about real estate and creator of The Automatic Landlord System for Owning Cash-Flowing Real Estate “Profitably and Hassle-Free.”It’s a virtual real estate seminar in every episode, and today is our Tuesday Tools, Tips, and Techniques Edition.
Today’s Theme
For Fearless Foundations: The Decision Comes First
Today we’re talking about real estate—and why real estate is the ideal investment for everyone. Not hype. Not theory. Real, practical reasons—and the tools and techniques you can use right now to move forward.
Three Provocative “Did You Know?” Questions
Let me start with three questions that should stop you in your tracks:
Did you know that housing costs have outpaced wage growth for decades—meaning renters are working harder each year just to stay in the same place financially?
Did you know that households who own real estate have, on average, many times more net worth than those who don’t—regardless of income level?
Did you know that most Americans with high debt aren’t reckless—they’re simply operating without a real financial strategy?
These are just a few of the alarming statistics about the current market. It’s important to understand the challenges so you can plan accordingly.
Because these numbers highlight something critical:Homeownership isn’t just about shelter—it’s about stability, control, and opportunity. And when people don’t own, they’re often more exposed to poor credit outcomes, excessive debt burdens, and financial vulnerability.
Everyone Is in Real Estate
Let’s reset the mindset.
Everyone is in real estate.
You’re either IN real estate because you own it—you searched it, negotiated it, closed on it, and enjoy the pride of ownership and the benefits that come with it.
Or—you’re ON real estate.You pay rent directly, or indirectly, by working for an employer who pays rent on your workplace. Either way, you’re paying someone who is IN real estate.
The question isn’t if real estate affects you.The question is who benefits—you or someone else?
Actions That Lead to Success… or Failure
Today is about understanding the actions that separate progress from stagnation—and how they connect to our theme:
Our mission on this show is simple and serious:To transform lives through affordable housing.To empower, educate, and enable families and individuals to enjoy the American Dream of homeownership.
And that starts with understanding money.
The Three Types of Income
There are three types of income every listener needs to understand:
We all start with active income.But the goal is to build enough passive income so work becomes optional—and life becomes intentional.
Real estate is one of the most proven bridges from active to passive.
Hard Mid-Show Break (Station Identification)
Today’s Show is Brought to You By: TimeToFixMyCredit.comIf credit is slowing you down, speeding it up starts with education. Text “CREDIT” to 561-861-2366.
Turning Reasons Into Action
Yesterday, I shared 10 reasons why For Fearless Foundations, the decision comes first.
Today—this is Tuesday Tools, Tips, and Techniques—we turn that into action.
Here Are 9 Actionable Steps
Step 1: Decide to Get Financially Educated
Education replaces fear. The more you understand credit, financing, and ownership, the less intimidating real estate becomes. Knowledge creates confidence—and confidence creates action.
Step 2: Know Your Credit—and Actively Improve It
Credit isn’t a score—it’s a system. Once you understand how it works, you can improve it. Better credit means better rates, lower payments, and more options.
Step 3: Create a Personal Financial Statement
If you don’t know what you own, owe, earn, and spend—you’re guessing. A financial statement turns guessing into strategy.
Step 4: Set Clear Real Estate Goals
Are you buying to live? To rent? To build long-term wealth? Goals determine strategy—and strategy determines outcomes.
Step 5: Choose a Real Estate Path
There’s no one “right” way—but there is a right way for you. First-time buyer, investor, or future landlord—clarity matters.
Step 6: Replace Timing the Market With Time in the Market
Waiting for perfect conditions is expensive. Ownership over time beats hesitation every time.
Step 7: Use Real Estate to Restructure Debt
Real estate can consolidate inefficient debt, stabilize housing costs, and redirect money toward equity instead of interest.
Step 8: Build a Team and Use Proven Systems
You don’t need to do this alone. Lenders, educators, and coaches matter. The right system turns complexity into clarity.
Step 9: Take the First Action—Then Adjust
Progress beats perfection. The first step creates momentum. Momentum creates results.
The Real Estate Show Is Your Partner
Remember this:The Real Estate Show is your partner in real estate.
Our experience can be the difference between a successful transaction and a stressful one.
Have a specific question about home loans? Text “LOAN” to 561-861-2366, and we’ll tackle it on a future show.
And yes—there are resources to help renters, buyers, and investors, which is why you should attend our Tuesday night workshop.
Tools for Achieving Your Goals This Year
Let’s break this theme down even further—by focusing on the tools that help you achieve real estate goals in the NEW year ahead:
Your retirement future doesn’t begin someday.It begins now.
If not now—when?If not this—what?If not you—who?
Sponsor Break (75%)
Today’s Show is Brought to You By: TimeToFixMyCredit.com Text “CREDIT” to 561-861-2366 and take control of your financial foundation.
Five-Point Show Summary
Closing & Tomorrow’s Preview
Tomorrow is our Wednesday Midweek Mortgage & Market Report. You won’t want to miss getting fully up to date on what’s happening right now in the real estate world—and what it means for you.
Thank you for listening. Thank you for taking the time to be here. But don’t just listen—use this show to get started in real estate investing.
Tune in every weekday for a literal seminar in every episode of The Real Estate Show.
Don’t forget to attend our free online workshops.
Visit us online at www.AutomaticLandlord.com for transcripts, past episodes, and more.Watch and LIKE the show live or on-demand at Facebook.com/TheRealEstateShow.
Likes keep us going.Shares keep us growing.
Thanks for listening—and I look forward to helping make the American Dream come true for you soon.
Radio Show Notes 01/12/26 Monday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Fearless Foundations: Why the Decision to Buy Real Estate Comes Before the Perfect Market
By Eric Willner, Investor and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
This is the Monday On A Mission Edition of The Real Estate Show—the day we set the frame for the week, challenge old assumptions, and remind you why NOW is the time to act.
Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest-running daily radio show about real estate.Every episode is a virtual mini-seminar, and today is our Monday On A Mission Edition.
Last week, we talked about something powerful.
It’s a New Year—and it’s time to make things happen.
But today, we take that one step further.
Because deciding to make things happen…and knowing what to do nextare two very different things.
Did you know… most Americans delay buying real estate not because they can’t afford it, but because they haven’t decided to learn how affordability really works today?
Did you know… the average household pays tens of thousands more over a lifetime in interest and fees simply because no one ever showed them how to use real estate to restructure debt?
Did you know… the biggest financial breakthroughs almost always start with a decision—not a rate change, not a raise, not a “perfect” market?
Those aren’t trivia questions. They’re mirror questions.
Before we get into the meat of the show, let me remind you of this week’s FREE online workshops:
You want to attend these because real estate requires skill, strategy, adaptability, and an unwavering determination to cross the finish line successfully.
And remember this truth I say every day—because it’s real:
Everyone is in real estate.You’re either IN real estate because you own it—searched it, negotiated it, closed it, and enjoy the pride and benefits of ownership—or you’re ON real estate, paying rent directly or indirectly through the employer who pays the rent on your workplace.
TODAY’S MISSION
Today’s mission is simple:
Turn fear into clarity—and clarity into action.
Because most people don’t fail at buying a home due to money.They fail because of uncertainty.
They don’t know:
And when people don’t have clarity…they pause.
They wait.They overthink.They talk themselves out of opportunity.
THE REAL PROBLEM IS NOT THE MARKET
Let me say this clearly:
The problem is not interest rates The problem is not home prices The problem is not inventory
The real problem is fear without information.
Fear says:
And fear loves silence.
But fear cannot survive education.
WHY THIS WEEK MATTERS
This week is about Fearless Foundations.
Not reckless decisions.Not rushed decisions.
Educated decisions.
Because fearless doesn’t mean bold without thinking.Fearless means prepared.
And that’s why tomorrow night—we’re hosting something special.
TUESDAY PREVIEW
Tomorrow, we’re hosting our
Fearless First-Time Homebuyer Webinar
And this is not a sales pitch.
This is a path-clarity session.
It’s for people who say:
Here’s the truth:
The right time doesn’t arrive.It’s created.
NEW CONSTRUCTION: THE GAME CHANGER
Now let’s talk about something that’s changing the game right now:
New Construction
Most people think new construction is:
That’s outdated thinking.
In today’s market, new construction is often:
Builders are:
Translation?
Clarity replaces fear.
And clarity creates confidence.
WHY FIRST-TIME BUYERS ARE ACTUALLY IN A STRONG POSITION
Here’s what most headlines won’t tell you:
First-time buyers have advantages right now:
The buyers winning today aren’t waiting for perfection.They’re learning the new rules.
MESSAGE TO MY REAL ESTATE AGENTS LISTENING
And for my agents listening…
Pay attention.
First-time buyers + new construction is not just good for consumers—it’s one of the strongest niches heading into 2026.
Why?
This is where careers are built, not just commissions earned.
THE DECISION MOMENT
Let me ask you something honestly:
How long have you been saying:
“I’ll do it later.”
Later becomes next year.Next year becomes never.
Fear doesn’t disappear with time.It disappears with answers.
And that’s exactly what we’re providing this week.
(SECOND HALF)
Welcome back to The Real Estate Show. This is the Monday On A Mission Edition, and today we’re anchoring the week around one powerful truth:
For Fearless Foundations: The Decision Comes First.
This week in our workshops, we’ll show you why that decision matters—and then we’ll tell you what to do next.
Ten Reasons the Decision Comes First
Here are ten reasons you must commit to Fearless Foundations—each one practical, actionable, and proven.
The Four Major Roadblocks—and How Decisions Break Them
When you address the four major roadblocks to financial independence by embracing Fearless Foundations, you win. Here’s how.
Road Block #1: Government and TaxesWithout strategy, taxes quietly siphon away progress. With the decision to learn, real estate becomes a tax-efficient engine—depreciation, deductions, and smart structuring can legally reduce what you owe and redirect dollars to growth.
Road Block #2: Interest and Finance ChargesInterest punishes indecision. When you commit, you learn how to optimize financing, consolidate inefficient debt, and use real estate’s leverage to reduce lifetime interest costs.
Road Block #3: Uncontrolled Monthly BillsBills rise when income is static. Ownership introduces control—fixed housing costs, opportunities to offset expenses, and pathways to cash flow that stabilize the monthly picture.
Road Block #4: Inflation—the Silent Killer of WealthInflation erodes savings quietly. Real estate, approached decisively, hedges inflation—rents adjust, values rise, and debt is repaid with cheaper future dollars.
Another quick pause—lean in.
You can turn debt into wealth in real estate.Change your financial picture. Start by texting the word CREDIT to 561-861-2366.
Information changes outcomes.
Today’s Takeaway (Summary)
Today’s show is about one simple but powerful idea: Fearless Foundations begin with a decision. When you decide to get educated, understand credit, set goals, and apply strategy, real estate stops being intimidating and starts becoming intentional. Decisions convert uncertainty into action—and action builds financial independence.
Close & Tomorrow’s Preview
Tomorrow is our Tuesday Tools, Tips, and Techniques Edition of The Real Estate Show. You won’t want to miss the resources and insights designed to help you profit and succeed in today’s real estate world.
Thank you for listening—but don’t just listen. Use this show to get started in real estate investing, change your life, and tune in every weekday for a literal seminar in every episode of The Real Estate Show.
And don’t forget our free online workshops.Text EDGE to 561-861-2366.
This is The Real Estate Show.I’m Eric Willner.Make the decision—then build the foundation.
Radio Show Notes 01/09/26 Friday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Real Estate is the I.D.E.A.L Investment!
Learn more about Real Estate Investing and learn HOW by listening to America's Longest Running Daily Real Estate Radio Show "The Real Estate Show with Eric Willner", Live every weekday evening at 9 o'clock (EST) on Florida's Money Talk Radio Network WWNN 1470AM, 95.3FM, FM 96.9, and FM 103.9. Then contact us at 888-595-7779 to see how we can help you with your real estate goals. You can also hear us on the free apps: iHeart Radio and TuneIn and the WWNN AM1470 app. If you miss the live show, Recorded Rebroadcasts are available 24/7 on Facebook.
Also listen to the rebroadcasts on demand on Facebook.com/TheRealEstateShow
Then check out these EXTRA cool resources:
TimeToFixMyCredit.com for Financial Education and Credit Improvement
AutomaticLandlord.com for Landlording and Real Estate Investment
MackBuysHouses.com for a fast cash offer on Real Estate
MackSellsHouses.com for great deals on Real Estate Investments
MackBargainHouseHunters.com to Partner on Real Estate Deals
Eric Willner is the Host and Founder of The Real Estate Show, an informative show about how to buy, own, and improve real estate the right way. You can reach Eric Willner at eric@therealestateshow.com or 888-595-7779.
#TheRealEstateShow, #EricWillner, #AutomaticLandlord, #ThirdHome, #BestRealEstate, #WSBR, #AM740, #FM 96.9, FM 103.9, #MoneyTalkRadio, #TheRealEstateLife, #speakingempire, #GKIC, #makeamericagreatagain, #propertymanagement, #rent
Radio Show Notes 01/08/26 Thursday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 01/07/26 Wednesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 01/06/26 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 01/05/26 Monday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
It’s a New Year—Time to Make Things Happen: Monday On A Mission with Eric Willner
MONDAY ON A MISSION
It’s a New Year! It’s Time to Make Things Happen!
Happy New Year—and welcome back to The Real Estate Show, a literal seminar in every episode.
We are kicking off a brand-new year with clarity, urgency, and purpose—because this is not the year to drift. This is the year to decide. To design. To do.
Before we go any further, let me ask you three provocative “Did You Know?” questions, using the reality of today’s market as a wake-up call:
Did you know that most Americans can afford their rent—but not a mortgage—because of debt decisions made years ago that no one ever taught them how to fix?
Did you know that households with a written financial plan are far more likely to build wealth—yet fewer than one in three Americans actually has one?
Did you know that real estate remains one of the only investments that can produce income, appreciation, tax advantages, and leverage at the same time—yet most people never position themselves to benefit from all four?
These “Did You Know?” questions aren’t meant to scare you. They’re meant to wake you up. To inspire you to think differently. To shine a light on the very real challenges people face with debt, rising costs, and uncertainty—and to open the door to solutions.
Because this show is about setting yourself up for success and taking the right steps toward financial independence.
Welcome to The Real Estate Show, hosted by me, Eric Willner, known as The Voice of Real Estate and founder of America’s longest-running daily radio show about real estate. I’m also the creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free. This show is a virtual real estate seminar in every episode.
THE RESET
On January 1st, we officially hit the RESTART button.
We revisited the foundational actions I would take if I were starting—or starting over—in real estate investing:
And now we arrive at the next step:
Today is the Monday On A Mission Edition of The Real Estate Show—where we focus on momentum, mindset, and mission. And today we’re continuing to talk about why NOW is the time to buy real estate, using the theme:
Today’s show is about why you need to know that, and how understanding this moment—this market, this economy, this timing—can completely change your real estate and financial future.
This week, we’ll be discussing strategies to optimize Real Estate and your finances, including:
Knowing how these pieces fit together isn’t optional anymore—it’s essential to real estate and financial success.
WORKSHOP REMINDERS
Before we get into the meat of today’s show, let me remind you about this week’s FREE online workshops:
You want to attend these workshops because real estate requires skill, strategy, adaptability, and determination. This isn’t about luck. It’s about preparation.
EVERYONE IS IN REAL ESTATE
Let’s get one thing straight.
You’re either IN real estate because you own it—you searched it, negotiated it, closed on it, and now enjoy the pride of ownership and the benefits that come with it…
Or you are ON real estate—paying rent directly, or indirectly paying for the rent of the business you work for.
The question is not if you’re involved.The question is how.
And the road to financial victory may not be straight—but it is absolutely worth traveling. Take that journey with us.
This week in our workshops, we’re going to show you why:
And then—we’re going to tell you what to do.
Here are 10 reasons why this mindset matters right now:
Each of these reasons matters because doing nothing is a decision—and it’s usually the most expensive one.
You can turn debt into wealth in real estate.Change your financial picture.Start by texting the word CREDIT to 561-861-2366.
THE FOUR ROADBLOCKS (INTRO)
Now let’s talk about the four major roadblocks to financial independence—and how deciding “It’s a New Year! It’s Time to Make Things Happen!” helps you overcome them.
Let’s finish strong.
When you address the four major roadblocks to financial independence with intention and strategy—you win.
Roadblock #1: Government & Taxes
Most people overpay in taxes because they don’t understand how real estate and business ownership work together. When you make things happen, you stop reacting at tax time and start planning year-round.
Roadblock #2: Interest & Finance Charges
High interest isn’t the enemy—mismanaged interest is. When you act, you restructure debt, improve credit, and position yourself to borrow smarter, not harder.
Roadblock #3: Uncontrolled Monthly Bills
Bills don’t shrink on their own. Action creates budgets, systems, and income streams that stabilize your cash flow.
Roadblock #4: Inflation – The Silent Killer
Inflation punishes savers and rewards owners. Real estate hedges inflation through rent growth, appreciation, and tax benefits—but only if you step in the game.
When you address these four roadblocks head-on—by taking action—you don’t just survive. You build.
Let me remind you again:
TODAY’S SUMMARY
Today’s show was about momentum. About recognizing that a new year isn’t magic—but decisions are. When you choose to act, to plan, to learn, and to position yourself correctly, real estate becomes the vehicle that moves you toward freedom instead of fear.
CLOSING
Tomorrow is our Tuesday Tools, Tips, and Techniques Edition of The Real Estate Show. You will not want to miss the actionable resources and insights designed to help you profit and succeed in today’s real estate world.
Thank you for listening—but don’t just listen.
Use this show.Let it move you.Let it guide you.Let it change your life.
Tune in every weekday to The Real Estate Show—a literal seminar in every episode.
And don’t forget to attend our free online workshops. Text EDGE to 561-861-2366.
It’s a new year.
Now it’s time to make things happen.
Radio Show Notes 01/02/26 Friday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Friday Weekly Wrap-Up: Reviewing 2025 So You Can Win Bigger in Real Estate in 2026
The Real Estate Show – Friday Weekly Wrap-Up Edition
Theme: Let’s Review the Year Behind Us and Make the Best of the Year Ahead of Us
Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest running daily radio show about real estate.
It’s a virtual mini seminar in every episode, and I’m your host, Eric Willner — The Voice of Real Estate, creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.
This week’s shows have all centered around one powerful, timely idea:
Let’s review the year behind us and make the best of the year ahead of us.
And today — Friday — is where we bring it all together.
Today we’ll summarize each day’s highlights, wrap up the week, and most importantly, set you up for success in real estate next week — and next year.
2. Engagement Hook – “Did You Know?”
Before we recap the week, let me hit you with three eye-opening “Did You Know?” questions tied directly to this week’s theme:
Did you know that people who intentionally review their finances once per year are more than twice as likely to reduce debt and invest within the next 12 months?
Did you know that the majority of first-time real estate investors who succeed don’t start with perfect credit or massive savings — they start with clarity, education, and a plan?
Did you know that most people don’t fail financially because they made bad decisions — they fail because they never reviewed the decisions they made?
That’s why this week mattered.
You don’t improve what you don’t inspect — and real estate rewards those who review, adjust, and act.
3. Workshop Announcements – What’s Next
Before we recap each day, let me remind you of next week’s FREE online workshops, because information without action is entertainment — and we don’t do entertainment here.
And don’t forget — if you want to jump-start momentum, join our 72-Hour Challenge by texting:
CHALLENGE to 561-861-2366
Because momentum is built before the crowd moves — not after.
4. Weekly Theme Expansion – Why This Week Mattered
Why was this week’s theme so critical?
Because review creates direction, and direction creates results.
Here are five reasons why reviewing the year behind you is essential for real estate success:
Ultimately, the goal is financial freedom.
And to get there, you need:
The Real Estate Show can be your road map — but the key is, you must start NOW.
5. Why People Stay Stuck
Let’s talk honestly.
Most people stay stuck because they remain trapped in the employee mindset:
They don’t lack motivation — they lack structure.
Fear, confusion, and lack of knowledge keep people frozen.That’s why this show exists — to replace fear with clarity and confusion with strategy.
When you understand money, credit, and real estate, confidence follows.
Year in Review:
· Wealth is not earned, wealth is engineered (12/22/25)
· Your Biggest Expenses Are Trying to Tell You Something (12/15/25)
· Stop Trading Hours for Commission and Why the Need for 'Security' is the Most Expensive Habit You Own. (12/8/25)
· Time vs. Money - The Power of The Cashflow Quadrants (12/01/25) Wealth is not earned, wealth is engineered
· Celebrate this years blessings and recalibrate for next years goals (11/24/25)
· Countdown to 2026: Gratitude, Growth, and Getting Your Financial House in Order (11/17/25)
· Military to Real Estate Millionaire: Why Your Next Real Estate Partner Should Be a Veteran
· Zero Down, Infinite Impact: How the VA Loan is the Wealth Retirement Accelerator (11/03/25)
· 21 Day Challenge: In 21 Days Shift Your Income, Scale Your Mindset, and Learn How To Stop Trading Time for Money
· Clarity and a Plan is How You Overcome Fear in Real Estate
· The #1 reason people don’t buy real estate is fear not money
· Real Estate is a Team Activity – Don’t go it Alone
· Why now is the right time to Invest in New Construction for Better Returns
· New Homes, Bigger Returns: Why Investors Are Flocking to New Construction Now
· Monday On a Mission: Beat Debt and Build Wealth with New Construction Investing (9/22/25)
· Why now is the right time to Invest in New Construction for Better Returns (9/15/2025 + 9/22/25 + 9/29/25)
· Invest in New Contruction now for Better Returns
· It's Go Time! Start Small, But Start Now!
· Secure Pre-Approval or Funding Now
· Analyze 3-5 Deals Daily
· Assemble a Power Team
· Identify Your Real Estate Strategy
· Set Clear Investment Goals (S.M.A.R.T Goals)
· Create a Personal Financial Statement
· Know Your Credit and Fix It
· Create a Solid Foudation For Real Estate Investing By Creating a Financial Snapshot of Today
· What I Would Do If I was Starting Or Restarting in Real Estate Investing
· Did you know that the retirement plan you’ve been sold your whole life may be the very thing keeping you from financial freedom?
· How To Deal With Today’s Real Estate Market and the 3 main factors impacting buyers and sellers: 1. High Mortgage and Insurance Premium Rates, 2. Increased Inventory, 3. Softening Home Prices
· Own real estate the Automatic Landlord way: Buy smart, profit predictably, and enjoy truly passive income with zero management headaches.
· If I was just starting out as a real estate investor or if I decided to start over as a real estate investor, what are the steps I should take to build a property portfolio that could eventually replace my current income
· Unlock Financial Freedom Using Real Estate Investing & Kiyosaki's Cashflow Quadrant
· Unlocking Capital: Strategies for Funding Your Real Estate or Business Dreams
· There Are 3 Ways to Have a Business (Inherit One, Start One, or Buy One)
· Learn The Secret Weapon for Tax Savings: How Owning a Business Can Give You a Financial Edge!
· How To Attack Tax Season 2025: Great tips and insights on how to prepare for the upcoming tax season, including deductions and credits related to real estate transactions
· Preparing for Tax Season 2025: Great tips and insights on how to prepare for the upcoming tax season, including deductions and credits related to real estate transaction
· Get Great Credit and Secure a Great Lender and Maximize Your Real Estate Success
· A great Lender can make all the difference in Real Estates.
· Preparing for Tax Season 2025: Offer tips and insights on how to prepare for the upcoming tax season, including deductions and credits related to real estate transaction
· Even More Reasons Why NOW is a Great Time to Buy and Own Real Estate
· 99 reasons why now is a great time to buy and own real estate
· Lack of Financial Literacy Increases Vulnerability to Foreclosure(25.02.10)
· A Real Estate Business is Just A Simple System (25.02.03)
· SYSTEMS Save Your Self Time Energy & Money (25.01.27)
· 8 Steps to Real Estate Wealth: A Modern Approach to Financial Freedom (25.01.20)
· You Can retire in 5 Years, not 40 with Real estate (25.01.13)
· Real Estate is Not Perfect, It’s Just Better (25.01.06)
· Your Credit Score Will Determine How Many Great Opportunities You Get in 2025 (24.12.30)
6. Mid-Show Sponsorship Call
Today’s Show — and better credit — is brought to you by: www.TimeToFixMyCredit.com
And don’t forget — you can text the word EDGE to 561-861-2366 to join our growing community of street-smart, money-smart investors.
7. Daily Summaries – The Week in Review
Monday – On a Mission
Monday was about setting the tone.
We launched the week by pressing the reset button and reminding everyone that reviewing the past year isn’t about regret — it’s about leverage.
We talked about why Mondays are about momentum, and how reviewing your finances, credit, and decisions gives you control over the year ahead.
Key Monday Takeaways:
If you don’t decide where you’re going, the calendar (and Others) decides for you.
If you missed Monday’s “On A Mission” launch, here’s what you need to know:We set the tone for the week with a mission-driven theme — “Let’s review the year behind us and make the best of the year ahead of us.” Why? Because wealth isn’t random — it’s the result of reflection, planning, direction, and execution.
On Monday we broke down why most people stay stuck financially — not because real estate is unavailable, not because money is impossible to find — but because they never look backward long enough to move forward intentionally.We shared 10 powerful reasons that reviewing your financial year is the gateway to growth: from uncovering hidden money leaks, to recalibrating goals, to revealing old habits that block progress, to realigning your investment plan with market timing. The key takeaway — knowledge without reflection becomes noise. But reflection converts knowledge into power.
We then unpacked how real estate positions you to fight inflation, reduce taxes, and convert debt to equity — if and only if you engineer your next steps.The four major roadblocks — taxes, interest, uncontrolled monthly bills, and inflation — don’t disappear by ignoring them.But when you review the past year, adjust your plan, and use real estate intentionally, those same roadblocks become steppingstones.
We reminded listeners that everyone is in real estate — you either own it, or you pay those who do.And we emphasized that if you want to make the year ahead your best financial year ever, you must actively engineer it — beginning with a clear-eyed review of the year behind you.
Want to get started? Don’t just listen — take action.Text CREDIT to 561-861-2366 to begin repairing or optimizing your financial picture.And text EDGE to join our free weekly workshops — the pathway to skill, clarity, and financial momentum.
That was Monday — and it set the arc for the entire week.
==
Tuesday – Tools, Tips & Techniques
Tuesday was all about execution.
We took Monday’s reflection and turned it into actionable tools, including:
? Past-Year Takeaways: The strongest investors weren’t the ones who guessed right — they were the ones who tracked, reviewed, and adjusted.
? Key Market Insight: Homeownership continues to be the #1 tool for stability; renters face rising costs without equivalent upside.
? Behavioral Finding: Most financial pain came not from bad investments—but from no investments, no plan, or no review.
? Action Focus: Clean up debt, fix credit, write a plan, choose a strategy, and get in motion before the new year resets the scoreboard.
? Real Estate Advantage: Ownership converts living expenses into wealth, tax advantages, and leverage—rent never will.
? Workshops: Weekly “Path to Home Ownership” and “Financial Edge Academy” sessions prepare buyers and investors to act early.
? CTA: Text EDGE to 561-861-2366 — the fastest step to financial clarity and strategy.
We reminded listeners that there are three types of income:
And real estate lives in Passive, where freedom is built.
Tuesday Tools & Strategies:
Tuesday was the bridge between thinking and doing.
Wednesday – Midweek Mortgage & Market Report
Wednesday grounded us in market reality.
We reviewed:
· On Wednesday, December 31, 2025, the current average interest rate for a 30-year fixed mortgage is 6.20%. If you're in the market for a mortgage refinance, today's average 30-year refinance interest rate is 6.62%. - another flat week.
·
· Essentially flat .
· Since mortgage rates hit a 2025 low of 6.25% in late October, they haven’t changed much.
· In the days leading up to Christmas, all eyes in the mortgage market were on the delayed release of third-quarter gross domestic product (GDP) numbers. That report, which came from the Commerce Department on Tuesday, said the U.S. economy expanded at a surprisingly strong 4.3% in the summer months.
· What does that mean for mortgage rates? The old saw is that good economic news boosts mortgage rates, while bad economic news pushes them down.
· “As good economic news is released — such as the 4.3% GDP numbers prior to the government shutdown — money will flow back into the stock market and away from bonds,” says Derek Egeberg, senior loan officer at MortgageOne in Yuma, Ariz. “Watch for rates to increase over this entire holiday season as investors still see opportunities and gains in the stock market and less of a need to shelter money in bonds, aka mortgages.”
Home prices are getting slightly more affordable, but down payments are still holding buyers back”
Then reword the list of 3 key points. Then using the article below write a 15 minute summary in my voice explaining why it relates to the theme of today.
Reword in my voice these Key Points:
The big takeaway?Waiting for perfect conditions costs more than preparing early.
Mortgage rates remain historically reasonable, inventory is shifting, and buyers who prepare now will benefit when competition heats up.
Wednesday Market Insights:
The market doesn’t reward hesitation — it rewards readiness.
Thursday – ATM: About The Money
Thursday we talked money — real money.
We addressed the hard truth:
Wealth is not accidental. It’s engineered.
We broke down why “get rich quick” schemes fail most people and why real estate continues to outperform hype-driven strategies.
We discussed:
And we reinforced my three deep beliefs:
Thursday Takeaways:
8. Second Sponsorship CTA – ¾ Point
Don’t forget — text EDGE to 561-861-2366 to gain your Financial Edge.
9. Conclusion – TGIF Wrap-Up
Alright — let’s wrap this up Friday-style.
TGIF = Thank Goodness It’s FridayTGIF = Thank Goodness I’m Financially PreparedTGIF = Thank Goodness It’s Florida — the best market in America!
This week wasn’t about hype.It was about reflection, strategy, and action.
And as we head into next week, remember:
You don’t need a new year to start — you need a decision.
Text EDGE to 561-861-2366 to connect with us directly.
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Thank you for tuning in this week.
Remember — don’t just listen.Use this show to get started in real estate investing.
Tune in every weekday to The Real Estate Show —a seminar in every episode.
Have a fantastic weekend — and join us Monday for On a Mission.
Radio Show Notes 12/31/25 Wednesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here