Season 1
EP08 - Housing Market
How interest rates affect housing prices. Learn about ZIRP (zero interest rate policy), mortgage rates, housing affordability, and the relationship between rates and real estate values.
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20 years of zero spending to buy where I live…
I just want to own a wall that's mine…
I want to go back to the time when property was still affordable…
Seems like we get the chance to go back to the past.
W-Where did you come from? Woaaa—
Wait… I could buy this with just two years of my salary!
This hurts… but at least it'll be mine forever if I keep paying.
Wait, how does that even work?
Welcome to cash-out refinancing: the more you borrow, the more walls follow.
Lower interest rates → higher demand → higher prices
Banks hand out cash to lure more owners to renew longer contracts
Owners unlock new liquidity from bank with rising home valuation.
As rates go down, valuations shoot up, banks let you borrow more. This cycle repeats with every rate cut.
With the new liquidity, owners buy even more property
New property mortage is paid with rent cashflows. Owners build equity while getting paid.
So… I literally turned lower rates into a second paycheck!
As long as rates keep dropping, I'm basically printing money!
Wait... Why can't anyone else do what I did?
Because YOU were the few people around when rates were 18%, and then watched them fall for 20 years straight!
Every marble countertop, every hotel fountain, every 'passive income' check—
paid for by people who will never be able to buy in.
The kids are locked out forever!
I… I stole their future?
Once everyone's wealth was trapped in these buildings, even governments became slaves to the brick standard.
Raise rates? Housing tanks.
Housing tanks? The whole economy tanks.
No one wants to vote for lower house prices.
So… they just keep printing.
I borrowed it from the future… from them.
Time to go home.
I-I want to go back… please…
Present - 2025
I'll earn it the hard way. No more hacks. No more stealing from tomorrow for today.
EP07 - Cryptocurrency
How crypto yield farming and DeFi protocols work. Learn about cryptocurrency staking, liquidity mining, tokenomics, and the risks of crypto investment schemes.
EP01 - What Quants Do
Understanding quantitative finance and how quants make money. Learn about statistical arbitrage, market making, signal processing, and how quantitative trading differs from gambling.