Quick Read DR Horton (DHI) had 64% of mortgage closings go to first-time buyers amid aggressive incentives in early 2026. The DR Horton data reflects consumer stress that makes real estate speculation risky for overleveraged individuals. Creative financing typically carries interest rates between 12% and 18%. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. On a January 2026 episode of The Dave Ram ...