Traditional financial advice isn’t always wrong—but some money rules simply haven’t kept up with today’s economy. Brian and Bo break down 5 pieces of financial wisdom that may be expired, including whether you really need a college degree, if 10% savings is enough for retirement, why buying used cars isn’t always the best move, when budgeting every dollar stops making sense, and whether homeownership is still the path to building wealth. If you’re focused on financial independence, investing, retirement planning, wealth building, and making smarter money decisions in 2026, this episode is packed with data-driven insights to help you avoid costly mistakes and build a stronger financial future.

Timestamps
00:00:36 Claim #1: You Need a College Degree
00:08:06 Claim #2: Saving 10% Is Enough for Retirement
00:12:48 Claim #3: Only Buy Used Cars
00:18:16 Claim #4: You Need to Budget Every Month
00:24:28 Claim #5: You Need to Buy a House to Build Wealth
00:30:25 The Real Lesson: Personal Finance Advice Evolves
00:31:06 Focus on What You Can Control

🔗 How Much Should You Save? → https://moneyguy.com/resource/how-much-to-save/
🔗 Wealth Multiplier By Age → https://moneyguy.com/resource/wealth-multiplier-by-age/
🔗 Car Buying Checklist → https://moneyguy.com/resource/car-buying-checklist/
🔗 What is the 20/3/8 Rule? → https://moneyguy.com/guide/20-3-8-rule/
🔗 Home Buying Checklist → https://moneyguy.com/resource/home-buying-checklist/

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Get the latest honest video review on the president today. See why this breakdown matters for understanding the current events update.

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You held through the SEC case. You held through the years everyone else chased other things. This video is for you. Two major financial papers — one from the DTCC, one from Architect Partners — both dropped recently, and both name Ripple specifically inside infrastructure conversations that the mainstream financial press completely ignored.

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They can’t harm you if they can’t find you! Use code HOWMONEYWORKS at the link below and get 60% off an annual plan: http://incogni.com/howmoneyworks

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NPR Article: https://www.npr.org/sections/planet-money/2026/06/23/g-s1-129339/when-falling-housing-prices-are-good-news-and-when-theyre-not

Money And Marco’s Vid: https://youtu.be/1N2C72OdOxo?si=KpM0WC5B1YGciwei

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#housingmarket #money #realestate

*** Sources ***

https://tradingeconomics.com/china/housing-index/news/559164

https://www.canadianmortgagetrends.com/2026/03/toronto-home-prices-down-24-history-suggests-the-correction-may-not-be-over/

https://www.nzherald.co.nz/business/economy/inside-economics-nz-house-prices-on-track-for-longest-downturn-in-modern-history/premium/2TNV5ZNOFVAQHAXRSWUMITPFZI/

https://www.abc.net.au/news/2026-04-23/first-home-buyer-scheme-pushing-up-price-of-cheaper-housing/106593276

https://www.bloomberg.com/news/articles/2020-10-08/what-china-s-three-red-lines-mean-for-property-firms-quicktake

https://www.researchgate.net/publication/373896412_The_Impact_of_Three_Red_Lines_Policy_on_Chinas_Real_Estate_Industry

https://www.regulation.govt.nz/our-work/what-weve-done/cutting-red-tape-for-small-detached-buildings/

https://www.afr.com/policy/tax-and-super/what-australia-s-biggest-tax-overhaul-in-25-years-will-mean-for-you-20260625-p609x4

https://www.thestreet.com/real-estate/morgan-stanley-housing-affordability-rising-monthly-costs

https://www.housingaustralia.gov.au/media/applications-now-open-australian-government-help-buy-scheme

https://www.reuters.com/world/asia-pacific/australias-tax-overhaul-chills-nations-long-love-affair-with-property-2026-06-23/

https://www.npr.org/2026/06/23/nx-s1-5867575/congress-passes-housing-affordability-bill

https://www.congress.gov/119/crpt/hrpt457/CRPT-119hrpt457.pdf

https://www.researchgate.net/publication/400411952_ZONING_AND_AFFORDABLE_HOUSING_HOW_LAND_USE_REGULATIONS_LIMIT_DEVELOPMENT_IN_THE_USA

https://www.cnbc.com/2023/02/21/how-wall-street-bought-single-family-homes-and-put-them-up-for-rent.html

https://fred.stlouisfed.org/series/MORTGAGE30US

https://www.nbcnews.com/business/business-news/tech-flight-why-silicon-valley-heading-miami-austin-texas-n1255330

https://fred.stlouisfed.org/series/PCU9241269241262

https://cdn.howmuch.net/articles/home-insurance-cost-in-every-state-b5ed.png

https://www.cnbc.com/2026/03/04/institutional-investors-housing-market.html

https://www.urban.org/sites/default/files/meansales-detroit.jpg

https://financialpost.com/real-estate/housing-drop-leaves-canadians-locked-out-market

Private equity’s growing presence in senior living

https://www.pbs.org/newshour/world/china-car-exports-jump-73-in-may-as-high-fuel-prices-raise-interest-in-evs

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Around the world, in some of the most real estate centric economies on the planet, house prices have been doing something they weren’t supposed to be allowed to do…
they are falling…
Chinese real estate, (once the single largest asset class in the world) has fallen consistently for the past 36 months straight,
Canada is (so far) down by over 20% in certain cities,
and (even though I couldn’t find it on a map to confirm) New Zealand’s inflation adjusted market is down by over a third in some of its major cities.
The current real estate “crash” in these countries is (and/or was) arguably an even bigger deal than it is here in America, because somehow all of these examples have made real estate investing an even more central focus of their economy…
Now I know you guys all like to make fun of me for being a gloomy goose, so let me just say, this, is all, REALLy good news…especially for a lot of young people who have felt permanently priced out of owning a home…
But, it does all raise one important question…
We have always been told that the housing market was “too big to fail” and that “significant price drops would undermine people’s financial foundation” and potentially even cause a financial disaster… So what exactly has changed, and who is actually going to pay the price for this sudden reverse course?

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