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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 because Rachel's very competitive.

That is that. Is that right. We are going to do that?

We should.

We have to.

We should.

Okay.

You guys are in trouble.

This is going to be two zero, Ken. You get to. Now, 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. 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 fix. That's what we pulled. That's actually incredible. That's pretty great. Like people were waiting. I mean, that's a pretty good. So I think we're going to slowly throughout the year. Keep seeing that crew down. I don't think we'll get back to two to three percent. But I'm going to see, I'm going to rest in the low five's 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 doing their thing.

Not to mention the political tension that has gotten fever pitch as in like WWE wrestling match back and forth between President Trump

and Jerome Powell. So Powell expected to step down. So new chairman expected in 2026. What will that

do? What's going 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 what I'm holding you to. I can't wait for the vote. I think what anyone would call a hold. I think it's going to hold. All right. Okay. Moving on. Here's mine. Sports betting will continue sabotaging young men's lives.

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