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KP Talks Dollars and Sense

Kevin Peranio

193 episodes

5 days ago

The Longest Game, the Softest Landing After the longest World Series game in history, America woke up to more than just baseball headlines. Freddie Freeman’s walk-off capped an unforgettable night — but the bigger story may be the economy’s own “extra innings.” With the Fed cutting rates again and inflation showing signs of cooling, KP breaks down how these shifts could spark a comeback for housing, stocks, and small business optimism. From the diamond to Wall Street, this week’s episode co...

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The Longest Game, the Softest Landing After the longest World Series game in history, America woke up to more than just baseball headlines. Freddie Freeman’s walk-off capped an unforgettable night — but the bigger story may be the economy’s own “extra innings.” With the Fed cutting rates again and inflation showing signs of cooling, KP breaks down how these shifts could spark a comeback for housing, stocks, and small business optimism. From the diamond to Wall Street, this week’s episode co...

Show more...

Episodes (20/193)

KP Talks Dollars and Sense

The Fed’s Playing with Fire: Soft Landing or Hidden Recession?

The Longest Game, the Softest Landing After the longest World Series game in history, America woke up to more than just baseball headlines. Freddie Freeman’s walk-off capped an unforgettable night — but the bigger story may be the economy’s own “extra innings.” With the Fed cutting rates again and inflation showing signs of cooling, KP breaks down how these shifts could spark a comeback for housing, stocks, and small business optimism. From the diamond to Wall Street, this week’s episode co...

5 days ago

30 minutes

KP Talks Dollars and Sense

CPI Could Shock the Market Tomorrow — Here’s Why It Matters

Shutdowns, CPI & The Market’s Balancing Act With the government shutdown freezing key data, all eyes are on Friday’s CPI report — the one number that could send markets swinging. Meanwhile, mortgage rates hit their lowest point in three years, tech stocks like Apple and Google are near all-time highs, and the Fed faces pressure to cut rates again. It’s a market caught between momentum and mayhem: falling rates vs. rising delinquencies, strong corporate earnings vs. labor strain, and an ...

1 week ago

9 minutes

KP Talks Dollars and Sense

Crypto Chaos: Leverage Triggers Crash

Blockchain, Markets & Global Trade Tensions From blockchain innovation to global trade spats, KP dives into the latest forces shaping the economy. Rare earth minerals, cryptocurrency liquidations, and weakening labor trends are impacting bond rates, mortgage activity, and the flow of money. Meanwhile, earnings season kicks off, housing and refinancing activity shift, and geopolitical events add uncertainty to markets. It’s a week of push-and-pull forces: low rates vs. market volatility,...

2 weeks ago

18 minutes

KP Talks Dollars and Sense

$11 Billion Lost in the Shutdown

$11 Billion Lost in the Shutdown A government shutdown that cost the U.S. economy $11 billion — with $3 billion gone for good — has ripple effects reaching far beyond Washington. From delayed federal data to frozen loans and rising uncertainty, KP unpacks how this political standoff is shaping markets, rates, and Main Street. But it’s not all bad news: while the Fed faces new limits, credit and mortgage activity are heating up, and small businesses are showing the resilience that keeps Amer...

3 weeks ago

14 minutes

KP Talks Dollars and Sense

Markets on Edge: Jobs, Shutdowns, and Sticky Inflation

Government Shutdown, Jobs Week & Sticky Inflation A possible government shutdown could delay key economic reports, leaving us guessing on the health of the labor market. Meanwhile, mortgage rates remain low, home sales are slowly stabilizing, and refinancing activity is picking up — but labor and inflation trends could shift everything. It’s a week of push-and-pull forces: government uncertainty vs. economic data, low rates vs. sticky inflation, housing equity vs. credit costs, and Fed ...

1 month ago

22 minutes

KP Talks Dollars and Sense

Rates Are Falling, But Are Jobs Next?

Falling Rates, Rising Risks & The Jobs Question Rates are coming down — giving small businesses cheaper money and sparking refinancing momentum. But with labor reports on deck, the big question is: will hiring follow, or will the Fed tap the brakes again? It’s an economy full of push-and-pull forces: falling mortgage rates vs. sticky inflation, small business strength vs. labor market uncertainty, and Fed easing vs. the risk of doing too much, too soon. From Charleston insights a...

1 month ago

25 minutes

KP Talks Dollars and Sense

Fed Week Showdown: Will Rates Rise or Fall Next?

💥 Fed Week Showdown — Will Rates Rise or Fall Next? It’s decision time for the Fed. Will rates push higher, hold steady, or finally break lower? Labor is softening, inflation is cooling, and the market is bracing for surprises. This year looks nothing like last year: weak jobs data, softer inflation, and refinances leading the way. But the dot plot, Q&A, and “buy the rumor, sell the news” effect could change everything. 📊 Mortgage rates, debt consolidation, tech’s AI race, and consumer...

1 month ago

18 minutes

KP Talks Dollars and Sense

Why Labor Data Could Matter More Than Inflation Reports

💥 Jobs Vanish, Rates Drop, and the Fed’s Next Big Move Nearly a million jobs have quietly been erased in the latest QCEW report, signaling a labor market that’s far weaker than headline numbers suggest. At the same time, mortgage rates are improving, inflation is still sticky, and the Fed is stuck balancing hot CPI prints with cold labor data. It’s the ultimate tug of war: shrinking money supply vs. wage pressure, soft small businesses vs. corporate giants, and a housing market sudden...

1 month ago

18 minutes

KP Talks Dollars and Sense

Jobs Data, Rate Cuts & Why Energy Stays Cheap

📉 Jobs Data, Rate Cuts & Why Energy Stays Cheap The September market correction may be brewing, but with $7 trillion in cash on the sidelines, investors are waiting for the right moment to jump back in. All eyes are on jobs data, Fed policy, and why energy costs remain unusually low despite global uncertainty. It’s a balancing act: softening labor vs. sticky wages, looming rate cuts vs. long-term inflation risks, and market corrections vs. AI-driven growth. 📊 From housing affordability...

2 months ago

19 minutes

KP Talks Dollars and Sense

Fed Cuts Rates Again: How Mortgage Costs Could Shift Fast

💰 Liquidity Flows, Rate Cuts & The Future of Housing Markets are shifting fast as liquidity tightens, the Fed debates rate cuts, and housing demand battles affordability challenges. From consumer spending resilience to labor market soft spots, KP unpacks the contradictions shaping the economy right now. It’s a landscape of contrasts: strong balance sheets vs. softening jobs, rising CapEx in AI vs. slowing global trade, and mortgage momentum vs. inflation pressure. 📊 With Jackson Hole a...

2 months ago

27 minutes

KP Talks Dollars and Sense

Jerome Powell Looks Sad as Markets Brace for Cuts

⚖️ One Fed Seat, Big Market Moves The Fed’s independence is being tested as political pressure collides with economic reality. With one governor out, the balance of the board could tilt dovish — and markets are already pricing in not just a September cut, but more to follow. It’s a clash of forces: falling Treasury yields vs. rising inflation risks, job market soft spots vs. political shifts, and short-term expectations vs. long-term credibility. 📊 From bond markets to housing, and from in...

2 months ago

30 minutes

KP Talks Dollars and Sense

Why Mortgage Applications Just Hit a New High

💰 Mortgage Boom, Inflation Pressure & The Fed’s Next Move Mortgage demand is heating up with Q2 applications and refinances hitting highs, even as rates remain elevated. The Fed’s rate path is in focus with inflation data looming, while housing affordability and global trade shifts add more fuel to the fire. It’s a market full of contradictions: rising home equity vs. affordability challenges, consumer resilience vs. labor market softening, and innovation vs. regulation in housing finan...

2 months ago

28 minutes

KP Talks Dollars and Sense

Why the Bond Market Wants Rates to Fall

💥 Why the Bond Market Wants Rates to Fall The bond market is flashing a clear signal: rates want to go lower. Labor is softening, inflation is easing (but not gone), and messy jobs data revisions are adding fuel to the Fed’s decision-making fire. It’s a volatile mix economic uncertainty, jobless claims hitting cycle highs, and global GDP shifts all pointing to a market eager for cheaper money. But with tariffs looming and small business confidence shaky, the path forward is anything but smo...

2 months ago

27 minutes

KP Talks Dollars and Sense

Why This Week Could Break the Economy

💥 The U.S. Is Broke — But the Market’s Still Booming? We’re on an unsustainable fiscal path. Debt is surging, tariffs are rising, and the Fed is cornered. But consumer spending is holding strong, corporate earnings are crushing it, and housing equity is at all-time highs. It’s a tale of two economies: resilient consumers vs. softening labor, rising home values vs. affordability walls, and a middle class caught in the middle. 📉 Inflation remains sticky. Interest rate cuts hang in the balanc...

3 months ago

27 minutes

KP Talks Dollars and Sense

Will the Fed Cut Rates This September?

🏠 The Housing Market Is Changing Fast — Here’s What You Need to Know Refinance demand is back. Builders are going vertical. And investors are making moves in custom homes and high-end ADUs. We’re seeing a shift: more cash buyers, compressed inventory, and a growing affordability divide. The middle class is getting squeezed — but smart originators and buyers are staying agile in this volatile economy. 📉 CPI and PPI reports show inflation is cooling, but not fast enough. The Fed’s soft land...

3 months ago

35 minutes

KP Talks Dollars and Sense

K-Shaped Economy Explained in Real Time

Bitcoin, Gold, and Liquidity Are Flashing Signals There’s less liquidity in the global system — fewer dollar-based tools for countries to trade with. The Economy Is Splitting in Two — And It’s Getting Worse We’re seeing a bifurcation: the top 10% of Americans now drive nearly 50% of GDP. A small group is carrying the weight, while the rest feel the pain. Episode Highlights: 00:00 - Job Reports and the Economy 00:48 - What Is a K-Shaped Economy? 02:00 - Housing and Refinancing Oppo...

3 months ago

16 minutes

KP Talks Dollars and Sense

Storms, Tariffs, and Growth Ahead

Live from Monterey—with ocean views, executive roundtables, and KP’s signature straight talk—this episode tackles storms, tariffs, and whether growth can outrun debt. Texas floods bring tragedy in an unexpected season, tariff deadlines return uncertainty to the markets, and a “big beautiful bill” aims to spark growth while adding trillions to the deficit. KP dives into the money supply slowdown in China, the copper tariff twist, and what rising purchase apps mean for housing. Plus, the real ...

3 months ago

20 minutes

KP Talks Dollars and Sense

Will AI Growth Save America’s Economy?

Live from Provo Airport—with monkeys, Bluey, and a travel-weary KP—this episode hits everything from family chaos to market clarity. Inflation’s hotter than expected, GDP takes a dip, and Powell says “soon”… but does he mean it? Plus, crypto might finally count as reserves, oil prices drop post-ceasefire, and AI-driven coding could be the Fed’s productivity play. All while KP dodges noise, delays, and the occasional toddler critique. 🎯 Episode Highlights: 00:00 - Live from Provo: monkeys, ...

4 months ago

17 minutes

KP Talks Dollars and Sense

Why the Fed Might Cut Rates Sooner Than Planned

🚨 Live from Woodward Park City, KP’s hitting the slopes and the markets—bringing you Fed updates, retail sales trends, Iran conflict fallout, and why soft landings aren’t just for aerial tricks. Another ceasefire? Maybe. KP breaks down the Strait of Hormuz, oil spikes, and dovish Fed signals hinting at earlier cuts. Consumers are slowing, spending is down, and credit cards might be maxed—all while KP dodges scooters and drops economic truth. 🔥 What’s hot in this episode: 00:00 ...

4 months ago

9 minutes

KP Talks Dollars and Sense

Oil Prices, Sneakflation & the Fed: What’s Moving the Market?

🚨 Live from Corona and the Wedge, KP’s back after a windy take one—breaking down $80 oil, Fed moves, sneakflation, and the wild Pentagon Pizza Index. Another war? Unfortunately, yes. As Israel-Iran tensions rise, KP breaks down how it’s shaking markets—and why it’s $10 oil spikes, not tariffs, doing real damage to GDP and inflation. The math doesn’t lie. Plus: Fed dot plot drama, soft landing signals, AI’s impact on GDP, and what’s really behind weak retail sales. KP also throws in some DC ...

4 months ago

25 minutes