Lower Rates Will Crash Home Prices – Jared Dillian | 10X Money Talks

In this episode of 10X Money Talks, Grant Cardone sits down with macro trader, author, and Armington Capital founder Jared Dillian to talk interest rates, the yield curve, housing affordability, and why lower mortgage rates might actually push home prices down. They also get into what “financial peace” really looks like, smart (not extreme) personal finance, good debt vs bad debt, Bitcoin stress, and where Jared sees opportunity right now.

Nothing here is financial advice. Do your own research and talk to a professional before making decisions.

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Chapters
00:00 Rates talk: why mortgage rates matter to real estate investors
00:43 Who is Jared Dillian + what Armington Capital does
01:44 Macro trading explained (top-down vs bottom-up)
02:24 How futures trade interest rates (2s, 5s, 10s, 30s)
02:43 Yield curve breakdown + where rates could go next
03:26 Jared’s call: mortgage rates to ~5.5% and what that implies
03:53 Jobs market signals: what’s weakening and why it matters
05:03 Housing affordability, builder incentives, and the real consumer story
06:15 The contrarian take: why lower rates could LOWER home prices
08:05 The “lock-in” effect: millions trapped in 2–3% mortgages
10:04 Economy reality check + politics and the Fed pressure campaign
13:30 “Be smart” finance: Jared’s middle-road approach to money
15:53 Why “extreme wealth” is a different game than peace
17:41 Retirement math: what “enough” can look like (real examples)
20:33 Portfolio risk in retirement: stocks vs income and bonds
21:48 Success, spirituality, and The Rule of 62
23:38 “You have to want it”: why most people don’t get wealthy
26:24 The real path to wealth: owning a business (not a W-2)
28:33 Debt explained: “vitamins” analogy + good debt vs bad debt
30:28 Jared sold Bitcoin: profit, psychology, and reducing stress
32:07 Real estate + Bitcoin hybrid idea + tokenization future
33:19 What Jared likes now (precious metals) + public vs private equity
35:06 Could rates go to zero again? What it would signal
36:20 Wrap-up + where to find Jared