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In order to generate significant wealth, one must invest their money. But how does investment work? What does one invest in? What are stocks, bonds, and mutual funds? If you are earning money on an investment, what type of interest in being earned? What’s the difference between simple and compound interest? Let’s find out!
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Multifamily real estate is undergoing a quiet but powerful reset.
In some markets, pricing has dropped more than 20%. Cap rates, once compressed to historic lows, are finally decompressing. And behind the scenes, maturing bridge loans and higher debt costs are starting to create pressure that is hard to ignore.
But while headlines hint at chaos, smart investors are not panicking. They are sharpening their pencils, watching the data, and positioning themselves to move with precision and confidence.
This is not a crash. It is a correction. And corrections create opportunity.
I’ll break down the real-time trends shaping the multifamily space in 2025, including where values are falling fastest, what rising debt costs mean for deal flow, and who is stepping up while others sit out.
I’ll also introduce you to Walker & Dunlop’s WDSuite, a powerful platform built for investors who want to make moves in this market. With real-time market and tenant data and instant valuation estimates, WDSuite helps you go from insight to action when timing matters most.
The great multifamily reset is already underway. Are you ready to capitalize on it?
Multifamily pricing is correcting across the country, and some of the biggest drops are happening in the markets that were once the hottest. According to recent reports, certain Sunbelt metros and overbuilt Class A submarkets have seen valuations fall by more than 20% from their 2022 peaks. The reasons? A combination of rising debt costs, softening rent growth, and a shift in buyer expectations.
Cap rates are finally decompressing after years of compression fueled by cheap capital. As rates rise and cash flow expectations return to more conservative norms, the premium that buyers were willing to pay has disappeared. Deals that were penciled in two or three years ago no longer make sense at today’s interest rates.
This pricing reset is not uniform. Secondary and tertiary markets are seeing sharper corrections than core gateway cities. Properties with bridge loans or aggressive value-add plans are feeling the most pain. And in areas where new supply has outpaced demand, operators are cutting rents or offering concessions just to stay full.
For buyers, this environment creates opportunity—but also risk. Using a program like WDSuite can give you instant valuation estimates for any off0 or on-market multifamily deals. Not every discounted property is a good deal, so you want to verify the valuation with WDSuite. The investors who win in 2025 will be the ones who understand which pricing changes are temporary and which reflect deeper market shifts.
The multifamily market is not just dealing with falling prices. It is also facing a major debt problem.
Over the past few years, many investors have used short-term, interest-only bridge loans to acquire and reposition properties. These loans were attractive in a low-rate environment, often with minimal upfront payments and plenty of flexibility. But now, many of those loans are maturing, and refinancing into today’s higher rates is proving difficult, if not impossible.
What happens when a property cannot meet debt service coverage at today’s rates? In some cases, investors are forced to sell at a loss. In others, they are bringing in rescue capital or negotiating with lenders to buy more time. And for those who cannot do either, defaults are quietly increasing behind the scenes.
This wave of distress is not always visible in public listings. It shows up in off-market conversations, whispers from brokers, and stalled refinance attempts. It is especially concentrated among sponsors who bought with thin margins, counted on aggressive rent growth, or overpaid during the peak. WDSuite helps uncover potential distress at the income level with real-time tenant delinquency rates and credit scores.
At the same time, debt costs are repricing every deal on the market. Underwriting that once assumed 3% agency debt now must account for 6% or more. That shift alone has wiped out billions in value.
For prepared investors, this distress cycle is not a warning sign—it’s an opening. But only if you know where to look, what to ask, and how to act quickly when the right opportunity presents itself.
In every reset, there are two kinds of investors: those who wait on the sidelines, hoping for clarity, and those who are prepared to move when opportunity appears. Right now, we are starting to see a clear divide.
The buyers who are winning in today’s market are not always the biggest players. They are the ones who are liquid, disciplined, and ready to act with precision. Many are coming to the table with cash or low-leverage financing. Others are forming strategic partnerships to scoop up assets that distressed owners can no longer carry.
Institutional players are still active, but they are being extremely selective. They are hunting for quality properties at adjusted prices and focusing on fundamentals like location, tenant profile, and long-term rent stability. Some are targeting preferred equity positions or note purchases instead of direct acquisitions.
Smaller investors are also getting creative. Those who built strong relationships with brokers, lenders, and operating partners are starting to hear about deals before they hit the market. They are not overpaying. They are underwriting conservatively and walking away when the numbers do not make sense.
What sets these investors apart is not just capital. It’s confidence built on real-time data, a clear strategy, and strong execution. They are not waiting for perfect conditions. They are ready with the right tools, information, and mindset.
In this market, timing matters more than ever. Properties are sitting longer, pricing is changing faster, and yesterday’s comps are already outdated. Investors who rely on last quarter’s data or static spreadsheets will miss opportunities or make costly mistakes.
To navigate this kind of environment, you need more than just access to listings. You need real-time visibility into what is actually happening—where pricing is shifting, where cap rates are moving, and where distress is starting to show up.
That is where Walker and Dunlop’s WDSuite comes in. It is more than just a data platform. WDSuite gives investors the ability to quickly evaluate multifamily deals and connect with capital all in one place.
Inside WDSuite, you can:
In a market where speed and precision are critical, WDSuite helps investors stop guessing and start acting. It is built for investors who do not want to be reactive. They want to be ready.
What we are seeing right now is not a crash. It is a recalibration. And while that may feel uncomfortable to some, seasoned investors know these moments do not come around often.
When prices reset, cap rates adjust, and operators start to feel pressure, it creates a window for those who are ready.
The key is not to rush, but to prepare. Understand your investment criteria. Build your team. Secure access to capital. And most importantly, stay connected to what is happening in real time.
With tools like WDSuite, you don’t have to wait for perfect clarity or secondhand information. You can source better deals, underwrite them faster, and move with confidence while others hesitate.
Markets will continue to shift. But opportunities do not disappear—they just change shape. The multifamily investors who succeed in 2025 will be those who embrace the reset, stay informed, and take decisive action.
If that sounds like you, now is the time to lean in.
What is your plan in this market? Are you buying, waiting, or repositioning? Drop a comment and let us know how you’re approaching the multifamily reset in 2025.
Embedded finance and automated lending services are under threat as policy and regulatory changes continue under the Donald Trump administration. After nearly seven months, effects from the changes at the Consumer Financial Protection Bureau (CFPB) surfacing, specifically a pullback on funding and a reevaluation of open banking. “There’s a reduction in the operating expenses for […]
Here’s how to use Dave Ramsey’s budget percentages in your own budget.
I used these exact numbers to get out of debt and start saving money. But first, let’s quickly talk about why having a budget is helpful.
A budget is a written plan for your money over a set timeframe. It gives you an in-depth understanding of what you can afford to spend your money on, taking into account your financial limitations.
Without one, you will toss money at every shiny, object that catches your eye. Having a budget will help you think carefully about the trade-offs you are willing to make.
Budgeting will provide you with a host of benefits to your financial health.
Do some research, and you will realize that most wealthy families acquire and grow their wealth by faithfully sticking to a budget.
You should be budgeting if you are:
Not convinced?
It can be difficult to maintain financial stability, especially if you are not used to budgeting or tracking your personal spending. However, there are several good reasons why you should create and stick to a budget.
A budget allows you to be intentional about how you spend and save your hard-earned money.
You’ll be the one telling your money where to go instead of wondering where it went.
You will be able to decide if you want to forego short-term spendings such as daily coffee visits to Starbucks for a long-term benefit such as a new car or vacation.
Budgeting will give you an accurate picture of your family’s financial health. By mapping out your goals, you avoid spending carelessly.
When you know how much money is coming in, how fast it goes out, and what you spend it on, you will stay on track.
Budgeting will allow you to plan your short-term and long-term goals and make the path towards them.
Here’s the bitter truth: Money is such a stressful part of marriage. Money fights are the leading cause of divorce, second only to infidelity.
If you share your money with your significant other, it can be hard to be on the same financial page.
Open and honest communication always wins in marriage. A budget will enable you to identify discrepancies, and you can talk about how you use money together.
Far too many folks spend money they don’t have—and we owe it all to credit cards! The age of plastic has got people living beyond their means.
By dividing your finances into categories of savings and expenditure, you will have a visual representation of your financial situation. This way, you’ll know which category takes which portion.
A budget can also be a reference for organizing your receipts, bills, and financial statements.
By paying your debts quickly and living within your means, you will get used to living within your monthly budget.
When you spend less money, extra income becomes available. The excess income is considered a financial margin.
It is up to you to choose where to apply the extra money to build longstanding financial security.
Committing to staying within your budget will let you have a closer look at your spending habits. If you find yourself spending carelessly, you will rethink your spending habits.
Do you need 20 designer handbags? How many channels do you watch on your costly extended cable plan?
Asking yourself such questions can change your mindset towards money and allow you to re-focus your financial goals.
A budget will help you develop new spending habits that you can maintain over time. After practicing the positive habits a while, you will start seeing real progress.
Life is full of surprises, and things can change in the blink of an eye. When you thought you had climbed out of your financial quagmire, random events happen and push you back to square one.
For some reason, the unexpected expenses all tend to come up at once at the worst possible time. You are getting home from a trip to the hospital to be welcomed by your utensils swimming on the kitchen floor. That’s why you need an emergency fund.
A budget is a living document. Your budget needs updating when changes occur in your life. Such changes can increase household spending. Without my safety net, I would probably have never been able to pull myself out of debt.
Do you wish you were debt-free? Well, it’s possible, and it all begins with a budget! Understanding your debt is very important!
There are two types of debt: good debt and bad debt. Meaning that taking a debt like a mortgage isn’t necessarily a bad idea if you can afford it.
So how will a budget help you?
First, a budget will show you the amount of debt you can afford. Then, by growing savings, you will have less stress over money as you will be able to pay down your debt quickly.
Maybe you can relate to this scenario; doing “some” online shopping only to wake up the next day with regret.
With a budget, you will no longer have to wonder if you can afford a vacation or a big purchase. It will allow you to budget for fun.
Imagine attending concerts, going out with friends, or doing a little splurging without wondering how you will pay the credit card bill at the end of the month.
Awesome, right? A budget will let you have fun without feeling guilty.
When you identify and get rid of unnecessary spendings like interests, penalties, and late fees, the money saved can add up quickly.
When you’re aware of your expenses and spending, instead of ignoring your situation, keeping more of your money will be easier.
The above life-enhancing benefits are just the tip of the iceberg. Countless other advantages will have a lasting impact on your finances, and help you be at peace with your money.
So don’t wait! Time to start budgeting!
Like every other skill, money management is something you learn. Knowing where your money goes every month is a proven way to be successful with your money.
Splitting your budget percentages by category will give you a better picture. With this kind of clarity, you will be able to make smart decisions with your money.
Dave Ramsey came up with this precise and effective technique for budget percentages. Ramsey may not be everyone’s cup of tea, but his budget categories are practical, easy to understand, and easy to follow.
You need to divide your budget into 11 descriptive groups. It might seem overwhelming at first, but after you’ve tweaked it to fit your needs, things will be easy-peasy.
Of course, we are all different, just like our budgets. Personal finance is, well, …personal.
Lots of factors are involved in budgeting. Despite the differences, following this budget strategy will help you attain financial independence.
Ramsey advocates giving 10% of your income. Finding opportunities to give back is a great way to better yourself.
You can do this with your time or money. Even if there’s no cap for how much you can give, it helps to plan for it.
You can donate a portion of your income to a charity, church, animal shelter, or worthy cause of your choice every month.
If you haven’t found an organization or cause to donate to, consider increasing the amount you tip Uber drivers, waiters, parking attendants, etc.
You can put away some money for emergencies like getting laid off, towards investment, early retirement, or other saving goals.
Food is an inevitable expense, and often the area in your budget where things start to go downhill.
I keep an eye on food expenses every month so that it doesn’t get out of control. Food can be broken down into two main categories: grocery shopping and eating out.
Consider meal prepping if you find unable to stay within the suggested range to minimize the cost of dining out. Learn more about how to save massive money on groceries here.
New budgeters often overlook this category. This category includes all the necessary expenses in your budget, including cable, electricity, gas, cell phone plan, and internet.
Note that these costs can fluctuate throughout the year. Are you hooked on cable? Here are six alternatives to cable TV.
Property taxes, insurance, rent/mortgage, Private Mortgage Insurance (PMI), and Homeowners Association (HOA) fees should fall under housing costs.
This category accounts for a quarter of your monthly take-home pay.
All types of transportation, private or public, with vehicle registration, fuel, oil changes, safety, maintenance, bus/ride money, parking, toll fees, are all included in the transportation category.
If the car expenses overwhelm you, you can keep your vehicle parked and opt for public transit, ride a bike or walk to your destination.
You will save money and reduce your carbon footprint. All great reasons to leave your car at home!
No one plans to make a trip to the emergency room, but at some point, you will incur medical bills and health-related expenses not covered by insurance.
It helps to be proactive and plan for it. You will have peace of mind knowing that you are covered if you ever need medical attention.
This category can also include money you put toward your FSA and HSA.
Insurance is another budget category where you pay for hoping you’ll never use it.
Depending on your current life position,
fall under this category.
This category includes entertainment like:
Sometimes, you want to spend your guilt-free discretionary money on
This category has got you covered for such expenses.
The miscellaneous category is where you put money away for anything you might have forgotten in your budget.
There’s always stuff you overlook. This category ensures you have accounted for every expense.
Debt is not a category in the Dave Ramsey budget percentages categories. However, Ramsey suggests putting as much as possible towards your non-mortgage debt, such as credit cards or student loans.
A budget is a valuable asset that will enable you to pay off debt quickly.
The budget categories we shared above are just one of the several ways you can decide to structure your budget.
You may have different budgeting categories you wouldn’t want to omit. To create your monthly budget, take the categories we listed, and use them as a blueprint to analyze your current budget.
You can ask yourself questions like which areas of your budget are within/outside the recommended guidelines — will any categories increase/decrease in the future.
Here, you can learn how to create a budget. You can also use the cash envelope system to budget money for each of the categories listed above.
If you don’t want to use A spreadsheet, you can use the EveryDollar app to get started.
The app relies on Ramsey’s money principles and his debt snowball repayment technique.
After registering, you’ll be asked to choose one or more money goals and to answer a few personalized questions.
You will then enter your income, expenses, giving, and debt figures.
There’s no denying that the Dave Ramsey method is useful, but it’s far from being your only option.
If you’ve made it this far and you still don’t know where you should begin, here are three other popular budgeting techniques:
If the Dave Ramsey budget percentages seem like too much work, worry not. The 50/20/30 rule is a clear strategy that lets you divide your current finances into three budget categories:
Necessities include bills you need to pay to live a decent life. Things like:
Saving 20 percent will ensure your financial security for the future. This category includes savings such as:
In no circumstance should you compromise this percentage for savings or nonessentials
Nonessentials are things that make life a little easier and desirable. They should take 30 percent of your money and include:
The only problem with a 50/20/30 rule for budgeting is that there’s too much room for variability.
Reverse or backward budgeting is when you figure out how much you need to save and pay your savings account first.
This method allows you to spend the rest of the money any way you please as long as you follow the first step and pay yourself first.
Because you focus on saving, you can’t spend what you don’t have. When you increase the amount of money you save, it naturally decreases the amount you spend, and it also makes you prioritize your expenses.
Most people find that gradually saving more forces them to cut spending on things that they don’t really need.
A zero-based budget means assigning every dollar a job. With this type of budget, technically, you shouldn’t have any unassigned money in your possession.
All your funds should be allocated down to zero. It gives you the ultimate control of your money.
Don’t get it twisted; a zero-based budget does not mean you have no money left. Instead, you need to budget every dollar until you reach zero dollars left to budget.
Fun things like shopping and going on vacation can also be included in your budget. This way, you can ensure that every single dollar is working for you.
Whether you opt for the Dave Ramsey budget percentages or go for a more upfront 50/20/30 budget, implementing one of these systems will help you make better decisions about your money.
Remember that each of the above budgeting methods is just a starting point for you to create your personalized budget.
You don’t have to follow them if they don’t make sense for your family. Use them to get started, then modify your budget to your own needs.
The 70/20/10 rule is a simple guideline that can help you create a balanced budget.
The rule states that 70% of your income should go towards essential expenses like:
20% should be set aside for financial goals, like:
Finally, 10% can be used for discretionary spending, such as:
While the 70/20/10 rule is a helpful starting point, it’s important to remember that everyone’s financial situation is unique. You may need to adjust the percentages based on your own income and expenses.
For example, if you have a large amount of debt, you may want to put more towards debt repayment and less towards savings. Ultimately, the goal is to create a budget that meets your needs and allows you to reach your financial goals.
If you’ve been scrutinizing your bank account and pay stubs and questioning where all your money goes, learning to use Dave Ramsey’s budget percentages is for you!
Budgeting is the fundamental and single most effective tool for managing your money. Don’t look at budgeting as additional work and a tool that will stop you from enjoying stuff.
Budgeting will show you how you allocate your money and, based on your limitations, provide you the choices on what things to enjoy.
Remember this; budgeting doesn’t save you from careless spending habits. It only provides a goal and reference to help you stay on course.
Hi, I’m Ashley a freelance writer who’s passionate about personal finance. Ever since I was young, I’ve been fascinated by the power of money and how it can shape our lives. I’ve spent years learning everything I can about budgeting, saving, investing and retirement planning. So if you are looking for tips, advice, or just a little bit of inspiration to help you on your financial journey, you have come to the right place. I am always here to help, and I am excited to share my passion for personal finance with you.
The company is extending its employee discount to cover the thing that matters most.
2025.8 Update: The new offer is $200+$100.
2021.7 Update: The $250 offer is expired. The current offer is $200.
2021.2 Update: The new offer is $250. HT: DoC.
The sign-up bonus is decent for a no annual fee card. It is also good that this card has no Foreign Transaction Fee (FTF) AND no annual fee. However, a similar card BoA Travel Rewards Credit Card is better in most aspects. There is also a card PayPal Cashback Mastercard, which earns 2% cashback on everything with no annual fee and no FTF (though it does not have any sign-up bonus). You should also be careful that Capital One will pull all three major credit bureaus (Experian, TransUnion, Equifax) for one credit card application (see Characteristics of Major Banks for more details).
AI is expected to produce strong growth over the next few years.
The best investing strategies involve buying great companies and holding them over long periods to let them be, which has yielded impressive returns if you picked the right businesses.
Among the top performers over the past decade have been Nvidia (NVDA -0.85%), Taiwan Semiconductor Manufacturing (TSM -0.85%), Amazon (AMZN -0.00%), Meta Platforms (META 0.38%), and Alphabet (GOOG 0.52%) (GOOGL 0.46%). I removed Nvidia from the chart below because it’s up over 30,000% in the past decade, which skews the graph, but the other four have also done phenomenally well.
TSM data by YCharts.
The “worst” performer of the remaining four has been Alphabet, with its stock rising nearly five times in value.
These five stocks have had a strong run over the past decade, but I still believe they are excellent picks for the next decade, mainly due to the proliferation of artificial intelligence (AI). They are at the top of my list right now, and I think buying shares with the mindset of holding for the next decade is a wise investment strategy.
Image source: Getty Images.
All five of these stocks are benefiting in various ways from the AI race.
Nvidia makes graphics processing units (GPUs), which are currently the most popular computing hardware for running and training AI models. It owns this market, and its dominance has allowed it to become the world’s largest company.
There’s still a huge AI computing demand that hasn’t been met, which bodes well for Nvidia’s future. Because of this, it remains one of the best stocks to buy and hold over the next decade.
Taiwan Semiconductor (TSMC for short) is a manufacturer that produces chips for many of the major players in AI, including Nvidia. These companies don’t have chip production capabilities, so they farm that work out to TSMC, which has earned its reputation for being the best foundry in the world through continuous innovation and impressive yields. There are few challengers to its supremacy, and this position will help it continue to be a market-crushing stock for the foreseeable future.
Nvidia and Taiwan Semiconductor are seeing huge growth right now because they’re providing the computing power necessary for AI. The next three are also benefiting and will likely see even more success over the next decade.
At first glance, Amazon doesn’t seem like much of an AI company. However, it has large exposure through its cloud computing wing, Amazon Web Services (AWS), which is the largest cloud computing provider.
It’s seeing strong demand for increased computing capacity for AI workloads. With this demand expected to rapidly increase over the next decade, this bodes well for AWS, which makes up the majority of Amazon’s profits, helping drive the stock to new heights.
Meta Platforms is developing its own in-house generative AI model, Llama. It has several uses for it, but the biggest is maintaining its role at the top of the social media world.
Meta owns two of the biggest social media platforms, Facebook and Instagram, which generate most of their money through ad revenue. The company has integrated AI tools into its ad services and has already seen an uptick in interaction and conversion rates. This effect will become even greater as generative AI technologies improve, making Meta a strong stock pick for the next decade.
Lastly is Alphabet. Many think Alphabet will be displaced by AI because it gets the majority of its revenue through Google Search, which is seen as a target for AI disruption. However, that hasn’t happened yet, and Google Search continues to get larger, with revenue rising 12% in the second quarter.
Part of its success can be attributed to the rise of its Search Overviews, which are a hybrid between a traditional search engine and generative AI. This feature has become popular and could be enough to keep Google on top in search, allowing it to achieve new heights over the next decade.
Keithen Drury has positions in Alphabet, Amazon, Meta Platforms, Nvidia, and Taiwan Semiconductor Manufacturing. The Motley Fool has positions in and recommends Alphabet, Amazon, Meta Platforms, Nvidia, and Taiwan Semiconductor Manufacturing. The Motley Fool has a disclosure policy.
By Sammy Hudes
A total of 45,973 homes changed hands last month, up from 43,122 in July 2024.
Home sales rose 3.8% on a month-over-month basis from June, with transactions up a cumulative 11.2% since March.
“With sales posting a fourth consecutive increase in July, and almost four per cent at that, the long-anticipated post-inflation crisis pickup in housing seems to have finally arrived,” said CREA senior economist Shaun Cathcart in a press release.
“Looking ahead a little bit, it will be interesting to see how buyers react to the burst of new supply that typically shows up in the first half of September.”
The association said the bump in sales activity was led overwhelmingly by the Greater Toronto Area, where transactions have now rebounded a cumulative 35.5% since March.
TD economist Rishi Sondhi said “pent-up demand temporarily sidelined earlier in the year returned to markets with some force last month.”
“Indeed, it looks as though the sales recovery that should have happened earlier in the year after significant (interest) rate relief in 2024 was simply delayed some months,” he said in a note.
“Some reduction in economic uncertainty should bring back more buyers in B.C. and Ontario, while further Bank of Canada rate relief could offer modest stimulus in the back half of the year. However, barriers remain, such as stretched affordability in several provinces and a weaker job market.”
Meanwhile, new listings were up 0.1% month-over-month.
There were 202,500 properties listed for sale across Canada at the end of July, up 10.1% from a year earlier and in line with the long-term average for that time of the year.
The actual national average sale price of a home sold in July was $672,784, up 0.6% from a year ago.
CREA’s own home price index, which aims to represent the sale of typical homes, was unchanged between June and July 2025.
BMO senior economist Robert Kavcic said the housing market has looked “very balanced and stable” through the summer, with significant regional variation persisting.
“At the national level, sales have steadily climbed back toward longer-term norms, inventory is elevated but not overly saturating the market, and prices are effectively flat,” he said in a note.
“In markets where price corrections are ongoing, we seem to be getting closer to levels that are bringing some buyers off the sidelines.”
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Last modified: August 15, 2025
Oracle Corp. is cutting jobs in its closely watched cloud unit, the latest company taking steps to control costs amid heavy spending on AI infrastructure. Impacted workers were told this week that their roles were eliminated, according to people familiar with the matter. Some of the reductions were related to performance issues, and the unit […]