Hey everyone! Exciting news - Chris will record an episode with me on the first Friday of each month. Please be sure to send questions that you might have for him my way. You can reach me in the comments section or at julia@julialaroche.com. And please keep your guest recommendations coming. We have episodes coming with some amazing names this summer. I appreciate you all and feel lucky that the nicest people watch and support this channel. 💙Julia
Yeah, it's definitely a hot topic right now. The pandemic caused disruptions in supply chains and led to increased government spending, which could contribute to rising prices.
That's where a genuine financial consultant can really be of help. They can analyze your financial situation and recommend strategies to hedge against inflation.
Here’s a real life scenario. Start of 2019. I buy a 16 unit multi family. 2m. Put 20% down. Loan is over 25y. At 4%. $8500 a month is my P&I. 6K for prop taxes. 6K for insurance. Basically 9500.00. Maintenance and repair 1K and month. I’m at 10,500 a month and this 16 unit grosses 16K. In Jan of ‘25 my rate resets. If it was to reset today it’s 7.4%. My new payment is $11,700. My property tax went up $1100 My insurance went up $800. I’m barely making anything now. So, rent will go up. From 1000 to 1200. This is real world numbers. Adjustable rate mortgages is how the entire commercial lending is based. And it’s going to get ugly.
Wow! Great news. Thank you so much Ms. La Roche, for being a great, and now regular, source for this man Chris Whalen's wisdom. We're going to learn a lot from this planned and fantab collab!
How about also cleaning out government waste and the mammoth size of the government, which is sucking money out of this country. Incidentally, I love your guests and I love your show. Absolutely fabulous.
This video on Kamala isn’t aging well… But it tells you this guest’s opinion on politics may not be fact based. However, I do enjoy his takes on debt service and monetary policies.
I love this guy. "Yellen is a joke as Secretary of the Treasury." "Biden never mentions the debt." Kamela Harris might not be able to even carry CA." Tells it like it is.
When an econonomy has 14 years of zero interest rates, the flip is massive borrowing- so the govt. borrows, the speculators borrow with borrowed money, and the general public spend on credit. Who finances all this free money? When they decidethe risk of default is to high- either interest rates soar or the debt mountain collapses....
Yes! I'm so excited. We will record on the first Friday of every month, and it will air the following Tuesday. Please feel free to send me any questions or topic ideas. I always welcome that from my audience. Thank you for watching.😊💙
Thank you both - it's as if we've lost the propitious smiles of heaven. 2001 sticks out in my head. Washington, may have been referring to the American dream or what this experiment turns into without the fourth estate.
I think his thoughts on the housing market are spot on. Small boomlet after rate cuts, then a correction. I think there are more sellers on the sideline than buyers.
At about the 7 minute mark, Mr. Whalen comments that "there will be a lot of house cleaning to be done". In the context of this, what does that mean, what might that house cleaning look like, where and HOW.
It won't happen. Trump will appoint a sycophant Fed Chairman and bully interest rates down because Trump, having only debt, doesn't understand equity. That will solve CRE's maturity problem. But it will cause inflation and more deficit spending as Trump is a binger.
Was wondering the same thing, I’m more inclined to Trump will want to try and get rates slashed and paper over losses as opposed to realize these losses by wanting to keep rates up. He’s a line go up guy
Mr. Whalen is so amazing in his observations on what is going on in this country. Please, Mr. Trump, be wise and put people like Chris Whalen in key positions in your administration. Hello….
17:35, Lets go all the way and give money creation back to the gov't and lend at no interest. Their 100 year old cartel needs to end. 22% interest? that's just stupid along with these people at the FED. How about a money system that benefits the people, not the bankers.
Everything in perspective Prices in housing are not dropping its like they shot up abnormal so there not really dropping- Rates are the same they were zero Zero to five was getting them back but there still too low We need a depression to normalize
I have an idea ... I won't pay a VAT, nor an income tax ... and all those who created and made money off the free fiat debt can pay *their* bills. Just cut all the beauro crap, man. And I aint rich!
What is this man saying? On one hand he says we need to raise REVENUE but oh don't charge corporate taxes......is he CRAZY!?!? Those greedy bastards made more money than ever and he wants no taxes on them!!! That and sustaining bad programs, too much spending are the source or this deficit
I love Chris as an insight into the banking sector but damn he's out to lunch on politics. I mean it's a good insight on how the groups he is a part of think but I don't think it's a good insight into politics as a whole.
Chris understands a lot about finance but very little about general history, it seems. "Europeans defined the American dream... Americans came here (to the USA)... Now we have all these people trying to immigrate..." He's so confused!
I will accept his opinions on commercial real estate but his political views are not worth commenting on. A reminder that if a rich man suggests tax policy it’s 100% for his benefit and not all of us as a whole.
The guest sees Americans die for nothing on foreign grounds. Does it ever occur to him that America is a superpower in the world because of the sacrifices that Americans made ? He wants something for nothing ! Typical so called financial guru ! They just see money come easy. Eve thing is served up to them !
Hey everyone! Exciting news - Chris will record an episode with me on the first Friday of each month. Please be sure to send questions that you might have for him my way. You can reach me in the comments section or at julia@julialaroche.com. And please keep your guest recommendations coming. We have episodes coming with some amazing names this summer. I appreciate you all and feel lucky that the nicest people watch and support this channel. 💙Julia
Chris is a great guest. Really glad he has a regular appearance.
Great Decision!
JLR ...........Epic book !!!!
This alone caused me to subscribe.
@@jpsmith9452 🙏
Absolutely, inflation is a significant concern, especially given the current state of the global economy.
With all the recent economic turmoil, I'm really worried about inflation.
Yeah, it's definitely a hot topic right now. The pandemic caused disruptions in supply chains and led to increased government spending, which could contribute to rising prices.
Inflation can erode the purchasing power of your money over time, especially in today's global economy.
Exactly. With prices seemingly going up on everything, I'm not sure how to protect my finances.
That's where a genuine financial consultant can really be of help. They can analyze your financial situation and recommend strategies to hedge against inflation.
Thanks Julia. Chris is such an excellent guest...getting his take on a regular basis is much appreciated.
Appreciate you 💙🙏
Here’s a real life scenario.
Start of 2019. I buy a 16 unit multi family. 2m. Put 20% down. Loan is over 25y. At 4%. $8500 a month is my P&I. 6K for prop taxes. 6K for insurance. Basically 9500.00. Maintenance and repair 1K and month.
I’m at 10,500 a month and this 16 unit grosses 16K.
In Jan of ‘25 my rate resets. If it was to reset today it’s 7.4%. My new payment is $11,700.
My property tax went up $1100
My insurance went up $800.
I’m barely making anything now.
So, rent will go up. From 1000 to 1200.
This is real world numbers.
Adjustable rate mortgages is how the entire commercial lending is based. And it’s going to get ugly.
i love how Chris speaks....so refreshing....so understandable....unfiltered truth. Great.
He’s the best. So grateful to have him as a regular contributor.
Thank you for this podcast. I subscribed based on Chris Whalen becoming a regular. It is great that you give your guests time to talk
Wow! Great news. Thank you so much Ms. La Roche, for being a great, and now regular, source for this man Chris Whalen's wisdom. We're going to learn a lot from this planned and fantab collab!
I'm so grateful and beyond excited about this. Thank you for supporting this channel and for always being a kind presence in the comments section. 💙
How about also cleaning out government waste and the mammoth size of the government, which is sucking money out of this country. Incidentally, I love your guests and I love your show. Absolutely fabulous.
I have really enjoyed following Mr. Whalen over the years, so knowing he will be a regular contributor is very exciting.
Absolutely on point, excellent show, intelligent guest Mr. Whalen!
Very good interview. Listening to Chris Whalen is time well spent.
I’m so glad. 🙏
Great interview. Thanks for the monthly dose of Chris!!
Glad you enjoyed it!
Do wish to congratulate you on your “lineup” of Serious guests.
Thank you so much.
This video on Kamala isn’t aging well… But it tells you this guest’s opinion on politics may not be fact based. However, I do enjoy his takes on debt service and monetary policies.
First Friday with Chris! Excellent score. 👍
Whalen is one of my favorite people in the FinChat community.
Chris is always quite knowledgeable about macro economic and banking issues.
Always a great interview with Chris. He is such a straight shooter that it is so refreshing
Julia, well done. Chris is very interesting!
I love your videos, they are always so helpful
I love this guy. "Yellen is a joke as Secretary of the Treasury." "Biden never mentions the debt." Kamela Harris might not be able to even carry CA." Tells it like it is.
Wow, amazing interview !
Julia...great job with your Show 👍
When an econonomy has 14 years of zero interest rates, the flip is massive borrowing- so the govt. borrows, the speculators borrow with borrowed money, and the general public spend on credit. Who finances all this free money? When they decidethe risk of default is to high- either interest rates soar or the debt mountain collapses....
Chris is the best. Such a treat to have him on monthly. Great show you got here ma'am 🫡
Great interview
Mr. Wahlen is I hope the real deal.
I could be wrong but every time I see him, he is very knowledgeable.
That is wonderful. Chris has been such a resource. I've been following him for years (and bought his book "Inflated") and always learn something new.
Quality interview, thanks.
epic video. love this guy!!!
Good interview. Thanks
You got Whalen on as a regular?! Nice... I'll definitely be back.
Yes! I'm so excited. We will record on the first Friday of every month, and it will air the following Tuesday. Please feel free to send me any questions or topic ideas. I always welcome that from my audience. Thank you for watching.😊💙
First-time listener to Whalen. Very impressed.
Need smart minds like his in govt vs the idiots currently in DC
Chris is so based! Great interview
Great job
Thank you both - it's as if we've lost the propitious smiles of heaven. 2001 sticks out in my head. Washington, may have been referring to the American dream or what this experiment turns into without the fourth estate.
I think his thoughts on the housing market are spot on. Small boomlet after rate cuts, then a correction. I think there are more sellers on the sideline than buyers.
Chris is great, calls it like he sees it
Whalen is just knocking it out of the park.
Not when he asks me to pay even more, for what *they* did.
But, if you increase sales taxes (VAT) at the point of sale, doesn't that depress consumption?
Titillating as always.
Income and VAT tax is a no go, Hugo.😮😢
Awesome!
At about the 7 minute mark, Mr. Whalen comments that "there will be a lot of house cleaning to be done". In the context of this, what does that mean, what might that house cleaning look like, where and HOW.
It won't happen. Trump will appoint a sycophant Fed Chairman and bully interest rates down because Trump, having only debt, doesn't understand equity. That will solve CRE's maturity problem. But it will cause inflation and more deficit spending as Trump is a binger.
Was wondering the same thing, I’m more inclined to Trump will want to try and get rates slashed and paper over losses as opposed to realize these losses by wanting to keep rates up. He’s a line go up guy
Chris, for future reference, I just want to give you a correction. It was not a big "empty" country.
Excellent guest. He loved NY Community Bank. Bad pick
European Values Added Tax is coming to the USA 🤦🏻♂️🤦🏻♂️
Mr. Whalen is so amazing in his observations on what is going on in this country. Please, Mr. Trump, be wise and put people like Chris Whalen in key positions in your administration. Hello….
Enjoy your trip to Maine
I watch all of the Pontificators and you all get it wrong. It isn't the Fed cuttin" a half percent, It ismm'
17:35, Lets go all the way and give money creation back to the gov't and lend at no interest.
Their 100 year old cartel needs to end.
22% interest? that's just stupid along with these people at the FED.
How about a money system that benefits the people, not the bankers.
Everything in perspective
Prices in housing are not dropping its like they shot up abnormal so there not really dropping-
Rates are the same they were zero
Zero to five was getting them back but there still too low
We need a depression to normalize
Julia ask Chris if he knows about ''The Forgotten Tax'' of the 1930?
I think you & David Lin should make A video. You both would do great.
Monetization of debt is distorting the metrics by 10 times what is real commerce.
Curious how beautiful Julia would look with her hair in a ponytail?
I have an idea ... I won't pay a VAT, nor an income tax ... and all those who created and made money off the free fiat debt can pay *their* bills.
Just cut all the beauro crap, man. And I aint rich!
I don’t mind paying some higher taxes if spending subsides and I don’t pay for illegals and student loans and bank bailouts.
👌
If trump gets back in the White House there will not be a “cleaning house” if he has commercial real estate debt
mark carney ?
Hmm, surprise crisis in October? Enough to make the debates virtual? AI generated Joe?
What is this man saying?
On one hand he says we need to raise REVENUE but oh don't charge corporate taxes......is he CRAZY!?!?
Those greedy bastards made more money than ever and he wants no taxes on them!!! That and sustaining bad programs, too much spending are the source or this deficit
Those greedy bastards are the only ones that provide jobs. Not the incompetent government
I love Chris as an insight into the banking sector but damn he's out to lunch on politics. I mean it's a good insight on how the groups he is a part of think but I don't think it's a good insight into politics as a whole.
Chris understands a lot about finance but very little about general history, it seems. "Europeans defined the American dream... Americans came here (to the USA)... Now we have all these people trying to immigrate..." He's so confused!
1st
I like 🐻’ish Chris 😊
People still think Biden will drop out?
I will accept his opinions on commercial real estate but his political views are not worth commenting on. A reminder that if a rich man suggests tax policy it’s 100% for his benefit and not all of us as a whole.
Thinking that TRUMP will fix anything is so childish from Chris 😂🤦🏻♂️🤦🏻♂️ Trump is the worst person to obey rule and law ever 🤪🤪
Drain the Swamp
@@fredcrossman5133 So thoughtless to think that America is a swamp. Move to Russia ro China then,
All Maga all day.
Is Julia married?
She is stunning...must be married
I am! Just celebrated 5 years. 😊
@@TheJuliaLaRocheShow I’d say he’s a lucky man 😎. Yeauhhh. I’ll just leave it at that and enjoy your videos lol
Trump 2024.
The guest sees Americans die for nothing on foreign grounds. Does it ever occur to him that America is a superpower in the world because of the sacrifices that Americans made ? He wants something for nothing ! Typical so called financial guru ! They just see money come easy. Eve thing is served up to them !
Bone spurs affluence
Hi Julia
Good interview.
great interview