Mortgage rates have crossed 7%, and the usual advice is to wait for cuts or buy now and refinance later. Nicky P and Rob Brayton of Perfect Spiral Capital explain why both bet on the Fed, why a 2008 mortgage insider calls today's rates normal, and how building dry powder beats waiting.

Kroger lost $12 billion in sales this year as 700,000 lower-income shoppers made 30 million fewer trips to the store. Nicky P and Luke Tatum of Perfect Spiral Capital unpack what that reveals about the real cost of living, why Aldi and Target are winning value shoppers, and the Nelson Nash principle that applies to every dollar you spend.

Luke Tatum returns to Between The Lies for a new roundtable format with Nicky P and Rob Brayton, breaking down the Treasury's failed bond buybacks, a $41.1 trillion debt ceiling report with omitted projections, 60% odds of a Fed rate hike, new Canadian trade restrictions, and a skeptical look at AI-driven layoffs.

Real estate investor Sean Wantulok talks with Brian Pritchard and Luke Tatum about hitting rock bottom at $475 in the negative every month, the wife's affirmation that changed everything, and how he now funds tax liens and an ATM business through the smallest infinite banking policy he could get built, all in service of what he calls changing the family tree.