Uploaded June 2026 | Updated September 2026, 2 weeks ago
MagBak: Get 15% off of ANY product using code ICED15 at creators.magbak.com/theicedcoffeehour9tn
Airbnb: Find a co-host at airbnb.com/host
AMP: Check it out at amp.ai and use code ICED for 10% OFF Your order
Upwork: Post your job free at upwork.com/COFFEE and connect with top talent to grow your business.
Shopify: Sign up for a $1 per month trial period at shopify.com/ich
Real Estate Spreadsheet: docs.google.com/spreadsheets/d/14s9RLZKXQdz5UkkdzVDMnVoEjyREkND7/edit?usp=sharing&ouid=115177699567463889514&rtpof=true&sd=true
Follow @OneRentalataTime Here!
Sign up for the waitlist at: extradollar.com
*๐๐ข๐ก๐ก๐๐๐ง ๐ช๐๐ง๐ ๐จ๐ฆ*
๐๐: instagram.com/icedcoffeehour
๐๐๐๐: instagram.com/jlsselby
๐๐ฅ๐๐๐๐ : instagram.com/gpstephan
00:00:00 - Intro
00:01:20 - The 52-Year Spreadsheet & What It Revealed
00:03:38 - Why Prices Don't Fall: Transactions Crash Instead
00:06:24 - The 18-Year Cycle Myth & The Slow Recovery Timeline
00:09:35 - Advice for the Average Buyer in 2026
00:10:53 - Prediction: Home Prices Flat Until 2030
00:12:35 - Why This Isn't 2008: The Adjustable Rate Mortgage Difference
00:15:03 - The Demographics Argument & Boomer Inventory Concerns
00:16:33 - How Zuber Could Be Wrong & Policy Fixes for Entry-Level Housing
00:19:20 - Ben Shapiro's "Just Move" Take & When to Buy vs Rent
00:20:38 - The Discipline of a Buy Box (How to Find 15% Off Deals)
00:24:02 - Why Real Estate Is Inefficient & Where the Opportunity Lives
00:26:39 - Creative Financing: What It Is and Where People Mess Up
00:28:32 - The Three-Step Process to Build Wealth
00:30:20 - Living on $12K While Making $50K: How Michael Stays Content
00:32:46 - The Crying-in-the-Car Moment After 12 Years of Sacrifice
00:34:53 - Inflation History & The Stock Market Reversion to the Mean
00:38:43 - What Happens If Rates Drop to 4%? (Kevin Warsh & Trimmed Averages)
00:41:00 - Who Should and Shouldn't Be a Real Estate Investor
00:42:46 - The Duplex Story: A Sober Living Buyer Overpays 50%
00:46:16 - Lies About Real Estate Investing (Brandon Turner & the No-Money-Down Myth)
00:47:31 - Why Debt Always Blows Up & The Power of 30-Year Fixed Rates
00:49:32 - Hardest Part of Being a Landlord
00:50:24 - How Michael Spends His Margin (Travel, Not Stuff)
00:52:02 - The Need vs Want Audit That Changed Everything
00:54:26 - The Caleb Hammer Insight: Health and Wealth Are Linked
00:57:20 - Dave Ramsey's 40-Year Consistency & The Billion-Dollar Loan Question
00:59:35 - The Guy Who Lost $10M Over a $50K Credit
01:00:03 - Should Graham & Jack Invest More in Real Estate?
01:03:45 - Multifamily, Commercial & Where the Wealth Transfer Is Coming
01:05:08 - Will AI Make Houses Cheaper? The K-Shaped Housing Future
01:06:21 - Michael's Returns: Infinite ROI After Cash-Out Refis
01:07:11 - Rent Control & Why It Destroys Cities
01:09:11 - Markets to Avoid & Markets Worth Hunting
01:10:41 - The Anti-Landlord Movement & The Loss of Hope
01:14:04 - Confronting Graham: Why Won't You Spend More?
01:15:49 - The Bill Perkins Argument & Shifting From Saving to Spending
01:17:46 - Graham's 2% Rule (And Why He Still Won't Spend It)
01:20:52 - The Cruise Ship Lesson: Billionaires Who Worked Too Long
01:22:18 - The Business Class Debate That Won't End
01:29:42 - Feedback for Jack & Graham on the Podcast
01:32:51 - Where Iced Coffee Hour Is Headed Next
01:37:31 - ExtraDollar Launch & Wrap-Up
๐๐น๐ถ๐ฝ๐ ๐๐ต๐ฎ๐ป๐ป๐ฒ๐น: youtube.com/c/TheIcedCoffeeHourClips
๐ซ.๐ฐ๐ผ๐บ: https://x.com/TheICHpodcast
๐ง๐ถ๐ธ๐ง๐ผ๐ธ: tiktok.com/@theicedcoffeehour
๐ฆ๐ฝ๐ผ๐๐ถ๐ณ๐: open.spotify.com/show/5c2uoXBQkOjIiCOf60jJj7
๐๐ฝ๐ฝ๐น๐ฒ: podcasts.apple.com/us/podcast/the-iced-coffee-hour/id1515070058
For sponsorships or business inquiries reach out to: icedcoffeehourpartnerships@gmail.com
Apply for The Index Membership: entertheindex.com
For Podcast Inquiries, please DM @icedcoffeehour on Instagram!
*Some of the links and other products that appear on this video are from companies which Graham Stephan & Jack Selby will earn an affiliate commission or referral bonus. Graham Stephan & Jack Selby are part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
MagBak: Get 15% off of ANY product using code ICED15 at creators.magbak.com/theicedcoffeehour9tn
Airbnb: Find a co-host at airbnb.com/host
AMP: Check it out at amp.ai and use code ICED for 10% OFF Your order
Upwork: Post your job free at upwork.com/COFFEE and connect with top talent to grow your business.
Shopify: Sign up for a $1 per month trial period at shopify.com/ich
Real Estate Spreadsheet: docs.google.com/spreadsheets/d/14s9RLZKXQdz5UkkdzVDMnVoEjyREkND7/edit?usp=sharing&ouid=115177699567463889514&rtpof=true&sd=true
Follow @OneRentalataTime Here!
Sign up for the waitlist at: extradollar.com
*๐๐ข๐ก๐ก๐๐๐ง ๐ช๐๐ง๐ ๐จ๐ฆ*
๐๐: instagram.com/icedcoffeehour
๐๐๐๐: instagram.com/jlsselby
๐๐ฅ๐๐๐๐ : instagram.com/gpstephan
00:00:00 - Intro
00:01:20 - The 52-Year Spreadsheet & What It Revealed
00:03:38 - Why Prices Don't Fall: Transactions Crash Instead
00:06:24 - The 18-Year Cycle Myth & The Slow Recovery Timeline
00:09:35 - Advice for the Average Buyer in 2026
00:10:53 - Prediction: Home Prices Flat Until 2030
00:12:35 - Why This Isn't 2008: The Adjustable Rate Mortgage Difference
00:15:03 - The Demographics Argument & Boomer Inventory Concerns
00:16:33 - How Zuber Could Be Wrong & Policy Fixes for Entry-Level Housing
00:19:20 - Ben Shapiro's "Just Move" Take & When to Buy vs Rent
00:20:38 - The Discipline of a Buy Box (How to Find 15% Off Deals)
00:24:02 - Why Real Estate Is Inefficient & Where the Opportunity Lives
00:26:39 - Creative Financing: What It Is and Where People Mess Up
00:28:32 - The Three-Step Process to Build Wealth
00:30:20 - Living on $12K While Making $50K: How Michael Stays Content
00:32:46 - The Crying-in-the-Car Moment After 12 Years of Sacrifice
00:34:53 - Inflation History & The Stock Market Reversion to the Mean
00:38:43 - What Happens If Rates Drop to 4%? (Kevin Warsh & Trimmed Averages)
00:41:00 - Who Should and Shouldn't Be a Real Estate Investor
00:42:46 - The Duplex Story: A Sober Living Buyer Overpays 50%
00:46:16 - Lies About Real Estate Investing (Brandon Turner & the No-Money-Down Myth)
00:47:31 - Why Debt Always Blows Up & The Power of 30-Year Fixed Rates
00:49:32 - Hardest Part of Being a Landlord
00:50:24 - How Michael Spends His Margin (Travel, Not Stuff)
00:52:02 - The Need vs Want Audit That Changed Everything
00:54:26 - The Caleb Hammer Insight: Health and Wealth Are Linked
00:57:20 - Dave Ramsey's 40-Year Consistency & The Billion-Dollar Loan Question
00:59:35 - The Guy Who Lost $10M Over a $50K Credit
01:00:03 - Should Graham & Jack Invest More in Real Estate?
01:03:45 - Multifamily, Commercial & Where the Wealth Transfer Is Coming
01:05:08 - Will AI Make Houses Cheaper? The K-Shaped Housing Future
01:06:21 - Michael's Returns: Infinite ROI After Cash-Out Refis
01:07:11 - Rent Control & Why It Destroys Cities
01:09:11 - Markets to Avoid & Markets Worth Hunting
01:10:41 - The Anti-Landlord Movement & The Loss of Hope
01:14:04 - Confronting Graham: Why Won't You Spend More?
01:15:49 - The Bill Perkins Argument & Shifting From Saving to Spending
01:17:46 - Graham's 2% Rule (And Why He Still Won't Spend It)
01:20:52 - The Cruise Ship Lesson: Billionaires Who Worked Too Long
01:22:18 - The Business Class Debate That Won't End
01:29:42 - Feedback for Jack & Graham on the Podcast
01:32:51 - Where Iced Coffee Hour Is Headed Next
01:37:31 - ExtraDollar Launch & Wrap-Up
๐๐น๐ถ๐ฝ๐ ๐๐ต๐ฎ๐ป๐ป๐ฒ๐น: youtube.com/c/TheIcedCoffeeHourClips
๐ซ.๐ฐ๐ผ๐บ: https://x.com/TheICHpodcast
๐ง๐ถ๐ธ๐ง๐ผ๐ธ: tiktok.com/@theicedcoffeehour
๐ฆ๐ฝ๐ผ๐๐ถ๐ณ๐: open.spotify.com/show/5c2uoXBQkOjIiCOf60jJj7
๐๐ฝ๐ฝ๐น๐ฒ: podcasts.apple.com/us/podcast/the-iced-coffee-hour/id1515070058
For sponsorships or business inquiries reach out to: icedcoffeehourpartnerships@gmail.com
Apply for The Index Membership: entertheindex.com
For Podcast Inquiries, please DM @icedcoffeehour on Instagram!
*Some of the links and other products that appear on this video are from companies which Graham Stephan & Jack Selby will earn an affiliate commission or referral bonus. Graham Stephan & Jack Selby are part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
