The Iced Coffee Hour
The Iced Coffee Hour
Graham Stephan/Jack Selby
This ALWAYS Happens Before A Housing Market Crash… | Michael Zuber
1 hour 46 minutes Posted Jun 7, 2026 at 6:36 pm.
Intro
The 52-Year Spreadsheet & What It Revealed
Why Prices Don't Fall: Transactions Crash Instead
The 18-Year Cycle Myth & The Slow Recovery Timeline
Advice for the Average Buyer in 2026
Prediction: Home Prices Flat Until 2030
Why This Isn't 2008: The Adjustable Rate Mortgage Difference
The Demographics Argument & Boomer Inventory Concerns
How Zuber Could Be Wrong & Policy Fixes for Entry-Level Housing
Ben Shapiro's "Just Move" Take & When to Buy vs Rent
The Discipline of a Buy Box (How to Find 15% Off Deals)
Why Real Estate Is Inefficient & Where the Opportunity Lives
Creative Financing: What It Is and Where People Mess Up
The Three-Step Process to Build Wealth
Living on $12K While Making $50K: How Michael Stays Content
The Crying-in-the-Car Moment After 12 Years of Sacrifice
Inflation History & The Stock Market Reversion to the Mean
What Happens If Rates Drop to 4%? (Kevin Warsh & Trimmed Averages)
Who Should and Shouldn't Be a Real Estate Investor
The Duplex Story: A Sober Living Buyer Overpays 50%
Lies About Real Estate Investing (Brandon Turner & the No-Money-Down Myth)
Why Debt Always Blows Up & The Power of 30-Year Fixed Rates
Hardest Part of Being a Landlord
How Michael Spends His Margin (Travel, Not Stuff)
The Need vs Want Audit That Changed Everything
The Caleb Hammer Insight: Health and Wealth Are Linked
Dave Ramsey's 40-Year Consistency & The Billion-Dollar Loan Question
The Guy Who Lost $10M Over a $50K Credit
Should Graham & Jack Invest More in Real Estate?
Multifamily, Commercial & Where the Wealth Transfer Is Coming
Will AI Make Houses Cheaper? The K-Shaped Housing Future
Michael's Returns: Infinite ROI After Cash-Out Refis
Rent Control & Why It Destroys Cities
Markets to Avoid & Markets Worth Hunting
The Anti-Landlord Movement & The Loss of Hope
Confronting Graham: Why Won't You Spend More?
The Bill Perkins Argument & Shifting From Saving to Spending
Graham's 2% Rule (And Why He Still Won't Spend It)
The Cruise Ship Lesson: Billionaires Who Worked Too Long
The Business Class Debate That Won't End
Feedback for Jack & Graham on the Podcast
Where Iced Coffee Hour Is Headed Next
ExtraDollar Launch & Wrap-Up
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Show notes
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Real Estate Spreadsheet: https://docs.google.com/spreadsheets/d/14s9RLZKXQdz5UkkdzVDMnVoEjyREkND7/edit?usp=sharing&ouid=115177699567463889514&rtpof=true&sd=true
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