In this episode of The Wrap with Chris Whalen, Chris breaks down the week across mortgages, rates, and precious metals. He opens with United Wholesale Mortgage, explaining why he believes Matt Ishbia should resign after the company hedged the balance sheet of an acquisition target it didn’t own and never won — a misstep that produced a six hundred million dollar loss and forced a rescue from Oak Tree on onerous terms that leave common shareholders at the back of the line. Chris contrasts that with Rocket’s standout quarter and lays out his broader housing view: investment banks hold this market together until the IPO fees are booked, then step back, setting up a potential correction next year and a general decline in home prices of ten to twenty percent by 2028. From there the conversation turns to the return of financial repression — short-end yields pushed down while the long end reacts to deficits and inflation — and why, with debt approaching forty trillion, he considers Fed independence a fiction and the Treasury the dog to the Fed’s tail. Chris also unpacks the Bank of Japan’s thirty-day repo with the Fed, why it lit a fire under gold and silver, and David Kotok’s idea of using euro-denominated US credit default swaps to benchmark gold. He closes on taxing wealth over income, the erosion of fiscal credibility, and his gold book research into thirteen hundred years of Byzantine monetary stability.

Thank you to our sponsor, Monetary Metals. Learn more at https://www.monetary-metals.com/THEWRAP/

Links:    
The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/ 
Twitter/X: https://twitter.com/rcwhalen    
Seeing Around Corners book: https://www.theinstitutionalriskanalyst.com/product-page/seeing-around-corners-achieving-success-in-business-and-life-hardcover

Use the code TheWrap2026 for 25% off your first year of The Institutional Risk Analyst https://www.theinstitutionalriskanalyst.com/plans-pricing

Timestamps:

0:00 — Intro
1:08 — Why Matt Ishbia should resign from UWM
2:30 — The Oak Tree rescue and what it means for shareholders
3:31 — Mortgage earnings: PennyMac, loanDepot, Rocket
4:23 — Is UWM going to be sold?
5:43 — Health of the broader mortgage industry
6:50 — Seven percent rates and where volume is coming from
7:30 — What the Fed does next, and the long end
8:20 — “Misery on the eights” — is the timeline accelerating?
9:20 — Housing correction: 10–20% by 2028
10:40 — The return of financial repression
12:00 — Why the Treasury benefits, and the shift to T-bills
13:06 — “The Treasury is the dog, the Fed is the tail”
13:40 — The dollar, foreign central banks, and gold reserves
14:20 — The Bank of Japan repo transaction explained
15:14 — What Warsh does if the FOMC wants a hike
16:30 — Inflation, diesel exports, and the energy squeeze
17:34 — David Kotok on benchmarking gold with credit default swaps
18:40 — Why fiscal fear flows into gold
19:30 — How far away is a US debt restructuring?
21:04 — Taxing wealth instead of income
22:42 — What cutting the deficit would actually do to rates
25:15 — Back to the BOJ: why it forced gold and silver higher
28:00 — What if Japan doesn’t take the bonds back?
28:48 — Foreign central banks are selling Treasuries
29:47 — Does the US care about gold the way the rest of the world does?
32:10 — Bessent and the K-shaped economy
33:12 — Housekeeping: viewer question episode
33:50 — Parting thoughts

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Provided to YouTube by Universal Music Group

I Get Money · 50 Cent

Curtis

℗ 2007 Shady Records/Aftermath Records/Interscope Records

Released on: 2007-01-01

Producer: Apex
Recording Engineer: Alonzo Vargas
Recording Engineer: Ted Clayton
Mixing Engineer, Recording Engineer: Steve Daniel Baughman
Composer Lyricist: Curtis Jackson
Composer Lyricist: W. Stanberry
Composer Lyricist: Kirk Robinson

Auto-generated by YouTube.

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Récit fiction basé sur des faits malheureusement bien réels, à la première personne pour raconter l’horreur que viennent de vivre des utilisateurs qui pensaient avoir sécurisé leurs bitcoins au maximum avec un hardware wallet totalement hors ligne. Pourtant, certains portefeuilles ont été vidés sans vol physique de l’appareil, sans phishing et sans exposition apparente de la seed.

Dans cette vidéo, je raconte le scénario à la première personne : la découverte du solde à zéro, l’incrédulité, la colère, puis la compréhension du défaut technique. Une faiblesse dans la génération aléatoire de certaines seeds aurait rendu des clés privées plus prévisibles qu’elles ne devaient l’être.

Je reviens simplement sur :

• le rôle réel d’un hardware wallet
• la différence entre protéger une clé et générer une clé solide
• pourquoi le mode air-gapped ne suffisait pas
• comment des attaquants peuvent retrouver des seeds vulnérables
• pourquoi une simple mise à jour ne corrige pas une ancienne seed
• les précautions à prendre pour réduire ce type de risque

Cette affaire rappelle une règle essentielle : une seed hors ligne n’est sûre que si elle était réellement imprévisible dès sa création.

#Bitcoin #BTC #Coldcard #HardwareWallet #ColdWallet #Crypto #Cybersecurite #SeedPhrase #SelfCustody #Blockchain #BitcoinSecurity #CryptoHack #WalletHack #AirGapped #Multisig

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Check out the official music video for “Money Baby” by K Camp ft. Kwony Cash

Single Available Now!
iTunes: http://smarturl.it/MoneyBaby
Amazon Music: http://tinyurl.com/l7t935q
Google Play: http://tinyurl.com/mdp7kkp

Music video by K Camp performing Money Baby. 2013 4.27 Music Group/FTE

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All your questions about Cryptocurrency answered.

Download India’s simplest Bitcoin app, CoinDCX Go: https://bit.ly/3w0gWuf

Use the Code HIMEESH100 while signing up to get Rs.100 worth of free bitcoin 🔥
Offer valid only for a limited time period.

_________________________________________________________________________

With the sudden increase and chaos in the Crypto market, a lot of people are curious about Cryptocurrency and what is making it so famous and trending these days. In this video Him eesh Madaan covers the basics of Cryptocurrency to help beginners understand this not so new but hyped and trending source of investment. He talks about the definition, origin, working, blockchain, and legal status of Cryptocurrencies like Bitcoin in India.
We also talking about India’s safest, simplest and easy to go investment app for Bitcoin and other Cryptocurrency that is CoinDCX Go
Buying Bitcoin on CoinDCX Go is as easy as tapping on your smartphone! If you are new to cryptocurrency, CoinDCX Go is definitely a go-to app for you. It helps make the investment process an effortless one. You cannot find an app that is this simple to use and makes buying Bitcoin & other cryptocurrencies this easy.
Let’s start our investment India!

_________________________________________________________________________

►Follow us on Instagram: https://www.instagram.com/himeeshmadaan/
​►Like Us On Facebook: https://www.facebook.com/himeeshmadaan/​
►Follow us on Twitter: https://twitter.com/himeeshmadaan​

_________________________________________________________________________

#Bitcoin #Crypto #Himeeshmadaan

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▶ *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* – check it out here and change your life: https://dollarwise.com/dollarwise-central/

▶▶ CONFRONT HER- her attraction to me is… weird, so I have to fully address everything. Watch the post-show, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don’t overcomplicate this crap! All you need is an automated / SIMPLE budget.

▶▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5

▶▶▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay

▶▶▶▶▶▶ Watch this episode’s *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

___________________________________________
▶EDUCATION:

1. Get your own free Hammer Financial Score: https://www.calebhammer.com

2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/

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▶RESOURCES

1. *I’VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 – $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match.

2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay

3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer

4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)

6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/

7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer

8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer

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Chapters:

00:00 Intro

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▶More Content

1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups

2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive

3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer
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▶EXTRA

1. My socials: https://stan.store/calebhammer

2. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
___________________________________________

▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

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In this video, Evangelist Gabriel Fernandes prays for you to receive complete Financial Breakthrough and for new Opportunities from God. Connect in Faith!

Stay connected with us, Subscribe, Like and Share

•If you want us to pray for you than you can send your Prayer Request to: prayer@gabrielfernandesministries.org

•If you would like to support us to keep making content like this:

1) Become a Patron. All Patrons will gain access to:

-Extra content,
-Monthly fasting and prayer for your Finances and Family
-Mountain Mover Daily Study plan
-Fasting and Prayer for your Businesses(Submit the names on Patreon, via message)

https://www.patreon.com/gabrielfernandesministries

2) Paypal: https://www.paypal.me/evangelistfernandes

•Kindle Ebook and Paperback books by Ev. Gabriel Fernandes:

1) Kingdom Keys and Secrets For Success
2) Daily Devotional on Amazon Kindle for every month of the year

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Get your FREE 5-Day Success Beyond Belief Program: https://www.tapwithbrad.com/success

We tend to limit our financial well-being due to unfortunate thoughts about money. Let’s address these feelings with some EFT/Tapping so that you draw money to you rather than push it away.

Be sure to get your FREE Tap Into Your Best Self 5-Day Program: https://www.tapwithbrad.com/bestself

Please remember to take full responsibility for your own well-being – practice great self-care, and seek appropriate professional assistance as needed. I encourage you to take a look at this video as well: https://youtu.be/gVUOvBfF2eg Thank you. 🙂

Please share this video with others (thank you!), then visit: http://www.TapWithBrad.com/Gifts
Please subscribe, and also join me on:
Facebook: https://www.facebook.com/TapWithBrad
Instagram: http://instagram.com/tapwithbrad
TikTok: https://www.tiktok.com/@tapwithbrad
Twitter: http://twitter.com/tapwithbrad
Tap o’ the Week Newsletter: https://www.tapwithbrad.com/Gifts/
https://www.youtube.com/channel/UCiHZMZejDS4RIxDdBwoie9A/subscribe

If you are new to tapping, please watch this video so you understand what it is about: https://youtu.be/JiD72cZ5mcU
And this will also help: https://youtu.be/4ytQ0kJVa-Q
Frequently Asked Questions: https://tapwithbrad.com/FAQ
Search my videos for a particular subject: https://tapwithbrad.com/search
Yes – there is plenty of research validating EFT/Tapping: https://tapwithbrad.com/research

Get started on your journey by tapping into self-love, self-confidence, self-forgiveness, self-worth, and more: https://www.tapwithbrad.com/bestlife

Want to leave a tip to support this channel…? Thank you! You can do so here: https://www.tapwithbrad.com/tips

So that I can make these videos available, I need to state that you must take responsibility for your own well-being if you choose to tap along. While I’m confident that tapping along with this video can provide great benefits, I make no claims as to what, if any, benefits you will receive. While EFT has yielded impressive results in treating physical and psychological issues, not everyone will benefit in the same way. I am not a doctor, and the information presented here is not intended to replace appropriate treatment by a physician or mental health professional. EFT is still in the experimental stage and, while a growing number of PhD’s and MD’s are adopting it, we cannot claim that it is risk-free. I am unaware of anyone experiencing negative side effects from using these videos, but different people require different care, and depending on a number of variables, it is possible you could uncover deeper issues within the process that this video is not able to address. It is recommended that you consult a qualified health practitioner prior to using this technique.

That being said, I hope you will enjoy this video and find it beneficial, and that you will share it with others.

This is certainly not intended to be a comprehensive handling of the subject — I can only cover so much in 5-10 minutes…! I’m also not working with you personally to address specific individual issues. Hopefully, though, it will help you address the issue enough that you can experience greater freedom to live the life you really desire and deserve. For further support, I encourage you to check out the other offerings available from myself and other EFT practitioners, including workshops and private sessions. For more information about tapping, as well as a ton of great resources to help you live your best life possible, please visit: http://www.tapwithbrad.com

This is only my way of using the process, rather than what might be called official EFT.

If you enjoyed this video, please subscribe to my videos and share them with others. I hope you will also sign up for my free newsletter “Tap of the Week” – filled with good stuff for your body, mind and spirit each Monday. Please click here: http://www.tapwithbrad.com/gifts (and you get my free 5-day Tap Into Your Best Self program when you sign up!)

Want to change the life of a child – and the world – by introducing them to the magic of tapping…? Of course you do! 😉 Check out: http://www.thewizardswish.com

I may have live workshops coming up: http://www.tapwithbrad.com/events

For further info on EFT, including links to research on how and why it works, please visit: http://www.tapwithbrad.com

Be Magnificent!

Brad

http://www.tapwithbrad.com

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*SHE REVEALS HERSELF IN THE POST SHOW* and we do a tour of the party bus, and it is the most ghetto trash sh*t I’ve ever seen in my life lol watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB – https://hamr.link/calebdrank

💰 Download Dollarwise – Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

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*Caleb Hammer Financial Resources*
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👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2
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🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz

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*Sponsors for This Video*
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*Education*
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👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
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*Extra Resources*
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👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
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👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb
👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/
👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer

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*Chapters*
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*Want to be a guest on Financial Audit?*
=============================
👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply

*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

Sponsorship and business inquiries: business@calebhammer.com

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