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- To Cut: Rates or Jobs?
To Cut: Rates or Jobs?
The Fed’s Tricky Two-Step
Splits and Caps Daily: Action for Agents
October 15, 2025
📈 Market Move:
Powell’s Paradox
Alright, here’s the scoop. The Fed is basically standing in front of two doors right now — one labeled “Rate Cuts” and the other “Job Cuts” — and they’re trying to figure out which one hurts less.
Jerome Powell just hinted that the Fed might cut short-term rates twice more this year, starting with their meeting later this month. That’s good news for anyone hoping mortgage rates (currently hanging around 6.3%) will finally chill out a bit.
But here’s the twist: even if rates dip, home sales might not spike. The reason? The job market’s starting to look shaky. Fewer stable paychecks = fewer qualified buyers. And if unemployment ticks up, we could see more foreclosures… which could weirdly create bidding wars in some areas.
Oh, and when someone asked Powell what the Fed could do about high home prices, he said basically, “Not our problem.” Their focus is inflation, not housing — so don’t expect them to swoop in and fix affordability anytime soon.
TL;DR — The Fed’s leaning toward rate cuts, which might give mortgage rates a nudge down. But if the labor market keeps softening, the real estate market could be in for a confusing mix of lower rates and fewer buyers.
Bottom line: Cheaper loans don’t mean easier sales if buyers are out of work.
🌟Quote of the Day:
“Creativity takes courage.” — Henri Matisse
⚡ Quick Win:
Calendar Micro-Block: Block 15 minutes tomorrow just to brainstorm 3 new ways to generate leads. Creative thinking beats reactive thinking.
🎉 Fun Fact of the Day:
Under Cover: 🪞 During WWII, architects hid entire British estates under camouflage nets to trick bombers. The first stealth real estate.
📚 Book Recommendation:
“Multipliers: How the Best Leaders Make Everyone Smarter” by Liz Wiseman — Here’s the deal: some leaders drain your energy, and some make you feel like you can actually move mountains. Multipliers is about the ones who do the latter — the leaders who make everyone around them smarter, faster, and more capable.
Wiseman calls these people “Multipliers.” They don’t just give orders; they amplify your talent, challenge you to think bigger, and actually make work feel like growth instead of grind. The opposite? “Diminishers.” They suck the brainpower and energy out of every room.
If you’re in real estate — or really any business — and you want to build a team that can run circles around the competition without burning out, this is your playbook. It’s not about working harder, it’s about being around the right people and learning to multiply your impact.
TL;DR: Stop hiring people to follow your orders. Start hiring people to make you better. And then, make them better too.
Celebrate the little things; they compound faster than you expect.
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