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Ripple Effect

Real Estate Rolls Over

Loading ...Addison Wiggin

September 10, 2025 • 1 minute, 18 second read


Housing

Real Estate Rolls Over

The housing market has been effectively frozen for three years.

That’s because, following record-low interest rates, homeowners refinanced with mortgages under 3%. Today, standing over 6%, the same home would have more than double the amount of interest each month.

Unsurprisingly, then, home prices have started to weaken as rates have remained high:

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Home prices are falling in most metros amid high rates (Source: Barchart)

With the Federal Reserve shifting towards a more accommodating stance – even with sticky inflation – this downtrend in home markets may not last.

If you already own your home, it’s no big deal either way.

But lower rates could make it easier for buyers to start bidding up properties again when home prices are already at record prices relative to wages.

Think of it as the real estate echo of the terrifying bull market in stocks  that rate cuts are likely to kick off.

~ Addison

P.S.: Most assets such as homes should see their prices rise as interest rates come down. We still see upside for stocks, gold, bitcoin – you name it. Not for healthy reasons, but because of the persistent decline in dollar purchasing power.

Grey Swan Live! this week: Mark Jeftovic joins us for “Shadow Fed & the American Dream” — how a September rate cut could hit the dollar’s purchasing power, where the money-market flood might go next, and why “control of money” is migrating from central banks to code, corporates, and courts.

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If you have any questions for us about the market, send them our way now to: feedback@greyswanfraternity.com.


The Dominoes Keep Falling in the Move to Digital Money

October 21, 2025 • Ian King

Trillions of dollars are already being transferred and tracked on the tokenized rails that Visa, JPMorgan, Mastercard and other major financial institutions plan to scale globally in the next 12 months.

Meaning, there’s no longer such a thing as “crypto vs. the banks.”

Because the same financial giants that crypto once tried to replace are taking the best parts of blockchain — speed, transparency and programmability — and fusing them into the system they already control.

And as each domino falls, it brings us closer to a world where money moves as easily as data.

It means that by the end of 2025, digital dollars could settle more value than PayPal ever has.

So if you’re still treating digital money as “the future,” you’re already a step behind.

The Dominoes Keep Falling in the Move to Digital Money
Inside Dollar 2.0

October 21, 2025 • Addison Wiggin

Consumer spending on ChatGPT has plateaued in Europe, with growth now near zero after peaking at +20% in 2023. Yet investors continue to price in boundless growth — what we’ve come to recognize as a classic late-stage bubble pattern.

Inside Dollar 2.0
The New Great Wall of China

October 21, 2025 • Addison Wiggin

Some historic irony, here.

China invented paper currencies in the Tang Dynasty in the 7th Century. Known then by the Mandarin characters that mean “flying cash,” the currency, like all paper money, lost its value.

Today, as the rest of the world goes all-in on fiat, and begins to digitize the dollar, China’s rediscovery of gold as an asset suggests that gold’s run isn’t over… yet.

The New Great Wall of China
“No Kings” or Just Bad At Math

October 20, 2025 • Addison Wiggin

The “No Kings” crowd might one day discover that the tyranny they fear doesn’t wear a crown. It wears a smile, signs checks, and calls itself “the common good.”

And like all monarchs in the end, it will demand obedience — long after the cheering stops.

If history rhymes, as it seems to, we’re somewhere between the late 1930s and the late Roman Republic. The crowds are restless, the debt insatiable, the elites insulated, and the reformers convinced they can vote their way to virtue. The yachts are still in the harbor; the customers are still swimming.

“No Kings”? Fine. But remember: every time the crowd dethrones a monarch, it tends to crown a bureaucracy. And bureaucracies, unlike kings, never die.

“No Kings” or Just Bad At Math