Federal Fumble

Splits and Caps Daily: Action for Agents

October 2, 2025

📈 Market Move:

Shut It Down

The government just slammed the brakes on itself (again), furloughing 750k workers. For now, housing is shrugging it off — mortgage rates are chilling at 6.37%, same as before.

But here’s the catch: if this drags on, things get messy. No jobs data → Fed flying blind → rates could whipsaw. Investors also get skittish about U.S. credit → rates spike instead of drop. Basically: short shutdown = meh. Long shutdown = chaos.

Meanwhile, the flood insurance program just expired mid-hurricane season (perfect timing 🙃). That’s ~41k transactions/month at risk in flood zones, because you literally can’t close without coverage. NAR is sweating bullets.

D.C. real estate is on the frontlines — tons of federal employees, already hit by layoffs and RTO mandates. A short blip? Fine. But a long freeze could be the tipping point where prices finally bend.

Takeaway: The housing market can tank slowly… until politics decides to nuke the safety net overnight.

🌟Quote of the Day:

“Creativity is intelligence having fun.” — Albert Einstein

⚡ Quick Win:

Screenshot & Save: Screenshot one inspiring social post or client message, save it in a folder labeled “Wins.” Build a library of social proof for later use.

🎉 Fun Fact of the Day: 

Ice, Ice, Baby: 🏜️ In Dubai, some homes come with indoor snow rooms to cool off from the desert heat. Basically: private igloo.

📚 Book Recommendation:

“Business Brilliant” by Lewis Schiff — This book smacks you in the face with a simple truth: the way most people think business works is totally different from how the ultra-successful actually play the game.

Schiff spent years studying self-made millionaires and found they don’t just “work harder” or “dream bigger.” They literally operate with a different rulebook. Things like:

• Stop diversifying like your financial advisor told you — concentrate bets where you have an edge.

• Don’t just “network,” build asymmetric relationships where you create outsized value.

• Forget balance — double down on the skills that make you unfairly good.

The kicker? Most people are wired to avoid risk, play it safe, and spread themselves thin. That’s why most people… stay “most people.”

If you want to rewire your brain to think like the folks who actually build wealth instead of chasing it, this one’s a cheat code.

Another day, another brick in the empire.

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