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
Cameron Long
Cameron is a seasoned CFO and CPA with 31 years in finance. He created the AI Trader's Playbook to help everyday investors use AI to find high-confidence trades — in minutes, not hours.
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Should be at 3%
Will never happen in the next 10 years
Saludos 🇨🇷👍🕊️.
Grant, I’m watching you from Russia
Grant, your BTC position is going to be your undoing. Pro-blockchain, former BTC investor here. You were late to the party Grant…you bought while people like me were selling BTC north of 100K (after buying in at under 20K). BTC and crypto is a plaything of the pump-and-dump Whales and Wall Street now. They are counting on buyers like you and the DCA shrimps for exit liquidity.
Grant has more money than you’ll ever have do you think he cares if price dips ? He has more money and coins then you’ll ever have
😂
Time to buy bitcoin again
Most ridiculous statement ever, lower rates trigger a housing crash. I don’t think so.
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Please please please rates go down to 2% and 50-year mortgage be made available! Please!
you dont want that man, believe me i have 16 mortgages and it will benefit me but it will create a lot of issues.
@acroeddI do want that. Everyone’s circumstances are different.
@johntigue It would be nice, it will help a lot of us out but it will make it very hard for people to get in if they miss the boat by inflating assets just like the pandemic did
*Binance infinity ETH bug right now*
*I just made a video to show that*
And now it’s at $115k and how can you not regret it? 😂 Not everyone enjoys the whipsaw behavior of Bitcoin 😂
Great interview and discussion! Bring Jared on again 💯
the interest rates are not high you knucklehead its the price of the properties that is the issue
Loving your expansion into this real.
I love you Grant. Very interesting conversation 😊
God Almighty is all about ABUNDANCE. Uncle OG and Queen. Everyone.. 🙏😇🙏🎉🥳❤️💯
God Almighty made King Salomon the richest man of his time, Uncle OG and The Queen. This goes to everyone as well. 💪😇🙏😎💰💰❤️ ABUNDANCE
I want it..
Dave Ramsey does NOT understand good debt. 🤦♂️ He has no financial education.. 👎👎
Interesting character. Lots of wisdoms
Got my property when the rate was 2.6% 💪🏾