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We reset the year with straight talk on how Chicago buyers win without mortgage contingencies, where sellers get the biggest ROI with small upgrades, and why multi‑units beat condos for long‑term wealth. We close with a practical guide to chasing down water leaks before they crush value.

• Full underwriting to compete and close
• Appraisal gap math and DTI guardrails
• Realistic must‑haves versus budget and neighborhood
• Writing offers sellers choose under pressure
• Lighting, bulbs, and paint as top ROI levers
• Kitchen and bath refreshes with hardware and mirrors
• Staging for demand and price action
• Multi‑units over condos for rent‑driven value
• Airbnb rules, management, and furnishing budgets
• Water infiltration diagnosis from windows to roofs to gutters
• HVAC condensation versus true roof leaks
• Parents buying multi‑units for college housing

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We unpack how the Fed actually reduces your wealth, how it moves money, why mortgage rates can ignore rate cuts, and how deficits fuel inflation and widen the wealth gap. We conclude with a simple goal system for 2026 that replaces vague resolutions with concrete daily tasks.

• what the Federal Reserve is and how it operates
• how the 10-year Treasury drives mortgage rates
• why QE created money and stabilized banks
• how deficits raise risk premiums and long-term yields
• inflation as purchasing power loss, not pricier goods
• the trade-offs between spending cuts and higher taxes
• what QT is and why it cannot fix fiscal gaps
• a three-task daily system to hit clear goals
• quarterly reviews to adjust inputs and track progress
• practical market checks: rates, bonds, listings

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We break down why Chicago’s housing is so expensive. Despite record taxes, the city is at an all-time high in debt. What would it take to attract capital, build more homes, and lower prices? We share data on schools, zoning, conversions, and policy incentives that could restart growth.

• highest taxes paired with large deficits and lender uncertainty
• CTU costs and poor literacy and math outcomes are driving distrust
• capital flight, bank redlining, and private equity debt costs
• stalled office-to-residential conversions and rigid mandates
• aldermanic control and downzoning that choke density and raise prices
• case study on 4330 N California and infeasible set-asides
• renters versus owners, community stability, and wealth
• Northwest Ordinance fees lower legacy owners’ equity
• a practical plan to incentivize office return and revive transit, retail
• three levers for a city: taxes, cuts, or growth, and why growth wins