In the stage digital world, you need ID theft protection that actually works. Protect yourself at zander.com. We are about to do some 2026 financial predictions. I love a good prediction.
And we're going to play this back at the end of 2026 and find out who was right. Oh, that is a very competitive. That is a right. We are going to do that.
We should. We should. Okay. You guys are in trouble.
It's going to be too zero. Ken, if we're wrong, we're like, you know, the weatherman, it's like it's fine. You get to keep your job. So there's no stakes here.
We're just having fun. Don't hold us to this. But here's what we think will happen for your money and in the economy. Okay.
I'm going to go first. All right. Okay. I think mortgage rates will continue to slowly go down.
Okay. That was a safe prediction. So we started at around 7%. And now it's sitting around 5.48% on a 15 year fixed.
So we pulled that's actually incredible. That's pretty great. Like people are waiting. I mean, that's a pretty good.
So I think we're going to slowly throughout the area. Keep seeing that. I don't think we'll get back to 2 to 3%. But I'm going to see I'm going to rest in the low fives high force.
Yeah. The Fed has been moving pretty slowly on this, Ken, with good reason. You know, you can't do it too fast. That'll mess up the economy and you can't do it too slow.
And so they're just incrementally not to mention anything. Political tension that has gotten fever pitch as in like WWE wrestling match back and forth. It's getting intense. President Trump and Jerome Powell.
So Powell expected to step down. So new chairman expected in 2026. What will that do? What's he got to do?
I actually, I don't agree with Rachel on that one. Wow. You think they're going to go up? I think they're going to hold.
Okay. So you think it's going to be at 5.48% in December of 2026. That's I'm holding you to. Yeah.
Wait a minute. I think what anyone would call a hold. I think it's going to hold. All right.
Okay. Moving on. Here's mine. More and more of this stupid and as more states legalize sports betting as more people jump on to these apps and the company's ramp up their marketing.
They make so much money. Yeah. 2025. You research study found 36% of men under 30 had placed a sports bet within the past year.
Yeah. So it's becoming normalized. It's just socialized gambling. It's having fun with the buddies.
We're kind of going to see who's going to win the parlay and this is a higher rate than any other age group. So these young men under 30 are going to get. They don't have money. Who I can tell you as a father of a high schooler, I hear stories all the time of Chase's buddies.
Oh my God. And they're betting on crazy stuff. You wouldn't think it's not just a become some kind of fun game. Like, is he wearing blue or red?
It is so stupid. It's so stupid. It's heartening. Oh, mama Rachel with a strong opinion.
I Attractive thing. I don't own a home. Oh my god. The housing market already here first place I'm gonna go in freaking sports back cuz I'm not I'd like enough to play the game So I'm gonna have to take my girl out.
Yeah, I'm just like that. No, very good strong You guys went really really safe. I think it's so I'm gonna step out a little bit this might not be popular prediction Let's talk about Airbnb's all right became a very popular real estate venture as you know I thought this is my path to prosperity And it's going through a pretty complex shift in other words demand still remains pretty strong But what we're seeing is is the cheaper airbnbs less cost smaller smaller areas you will see a continual decline But your luxury listings will go up. Oh Money will still be spending yeah, I think you're in the Airbnb game if you've got a luxury listing I think you're probably in good shape that the man will remain strong which is a small percentage Because you have over levers yourself.
Yeah, do not think that you're going to eventually rebound at 2026 in other words if you can sell I'd sell Yeah, well people just go well, it's easy money people can be booking this 30 days a year and it doesn't work out Like the reason that the cheaper market just give you a while really quick is because it's over saturation Everybody got in the game thing. Oh, I'm gonna buy a place down at the beach. So you're too saturated. Yeah, much supply That's why you know it's the same dude that sports bets.
That's also on tiktok and I own like Airbnb's great You are so annoying Rachel. You're right Rachel is exhausted by young man. Rachel's coming for the bros today She's got the bros in the cross here. I feel like y'all need a little shake.
Wow. I agree She probably hates creatine too. I take my protein shakes. I work out for you the frozen you can agree on one thing at least Alright, here's the next one.
I think the stock market will actually stay relatively consistent. We've had a few good years and everyone now goes There's gonna be a crash. It's all coming down and everyone's got their predictions I think the u.s. Economy is strong I think ai and tech will carry us for the foreseeable future and if it went it dips everyone's gonna assume it's a crash It's gonna be just a little low.
I think we'll come back up pretty quickly So you're not saying steady throughout the year. You're saying it ends the year pretty much at a level Yeah, I don't like we have a few years over you know negative 20% in the past few years It's been plus 20% plus 16% I think we're gonna have a positive year. Wow no camel crash No, I think the trend of by now pay later. It's all hit.
I'll get mad at the girls who shop gay That's sometimes uses us. I think they're gonna become worse and worse and worse for the consumer meeting I think there's gonna be more fees. I think that you're gonna be able to loan sack I've got to take multiple keep moving they are making so much money stores are making so much money when people take the By now pay later option. They end up spending so much more so there they see they see the money the banks and the and the Stores the retailers and they know I'm gonna make so much so they're gonna continue to expand that and I firm your prediction Yeah, I just saw firm is rolling out a rent by now pay later option So you can put your rent on my now pay later with that really frighten She's your house money that you're putting on a short-term loan that frightens me So I think you're right.
Can I tell you I want to tell the viewers and listeners I have never seen the lovely sunny disposition of Rachel Cruz so cloudy. I can see it across the desk. She's just sour Yeah, it's not because of her it's this topic. She's got sports betting by now.
Payless. She is just What's all of her buttons? I love seeing disgusted Rachel. Where can you more of that?
Let's get you back to the job market This is the big everybody's always thinking what's going on my job. It's not being great. It's all slow down in 2025 Here's my theme. You know me.
I gotta go with a little spring. I love a theme. I love a phrase Is it a 2026 job market will be ready low higher low fire in other words? You won't see now.
She's laughing Kelly says Oh, well, you know what Kelly doesn't appreciate that this is rooted in accuracy low higher means we're not gonna see a hot Job market is gonna stay pretty stagnant. I think you're gonna be in the 4.5% You may see a spike getting near 5% depending on some situations We still don't know we're all the tariff situation where all those tariffs How's it gonna shake out? We're still in a weight and C Mo which is why a lot of companies are on the sidelines is really Hiring so what I mean by low higher is I don't expect to see companies hiring a lot of people I think it's gonna be a wait and see for 2026 but here's the goodness because companies are so in a wait and see They're gonna be reluctant to fire talent. Mm-hmm.
Okay, so it's kind of a we're okay with who we got and we're gonna stay in a holding pattern So that's what I mean by low higher low fire now a couple quick things growth sectors I think there will be hot sectors regardless of low higher low fire that is health care skilled trades Don't sleep on the trades. They're blowing up logistics and some AI adjacent roles. Oh, it's not a placing jobs But they're connected white collar jobs right now specifically white collar tech is getting killed because that's where we're seeing already How AI is beginning to kick. Oh, is it a matter you see numbers?
Yes. Yeah, you're not seeing a lot of young people That be in moving into the technology sector as what we call white collar tech They're not getting the jobs because those jobs are being replaced by AI and we're seeing private equity come in buy it clean house and go You know what I like to say about private equity. What's that private equity equals public misery? That's why we bring Ken on guys.
He brings the heat Ken is he's all about the words. I appreciate it I'll be here for 30 more seconds. Here's the truth. Nobody knows what's gonna happen.
So just stay the corner. No, I do okay Take those predictions to the bank. Oh, we will come back December. Oh, we will I have to say Competitive you guys are see I was gonna put Ken on hold.
That's my dream in life. I have a hold button for again Thank you for joining us Ken. We had a great time. Hope you appreciate our predictions control What you can control?
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