PROOF Property Taxes Are A GIANT SCAM! Michael Bordenaro 2026-09-26 | PROOF Property Taxes Are A GIANT SCAM!
Sell These 5 Things BEFORE You Retire Michael Bordenaro 2025-10-08 | Be kind to yourself this year! Go to my sponsor zocdoc.com/bordenaro and find the awesome care you deserve for FREE.00:00 Things to Sell Before or During Retirement01:02 Downsizing Your Home: The Benefits of a Smaller Living Space03:04 Cutting Financial Support for Adult Children04:43 Selling Expensive Toys: Boats, RVs, and More06:15 Check out ZocDoc07:42 Reducing the Number of Vehicles You Own08:30 Letting Go of Your Work Identity09:35 Questions to Ask Yourself Going Into Retirement12:04 Retirement Lessons from the Gen X Generation13:35 Failing to Plan Leads to Stress14:15 Doing Better in Life Than in Money15:16 Missed Opportunities16:01 Misconceptions in Your Earlier Years17:03 Setbacks Do Happen19:32 Mistakes Add Up Over the Long RunRetirement is a time when you are letting go of an old life and stepping into a new one. And selling these 5 things before you retire can drastically increase your cash flow and happiness in retirement.Subscribe to My New Clips Channel youtube.com/@MichaelBordenaroClips=======Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Buy Gold and Silver sovrn.co/2t2ly3m=======Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/A1tpVOiUjTZyNGwScAUCcYQhttps://apple.news/AEP9z1j0jT76xhLiuiF8EnQFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
You Can Save $40K Buying a Brand New House #shorts Michael Bordenaro 2025-10-08 | Brand-new homes are now selling for less than existing ones! The median price of a new single-family house in June was almost $40,000 less than the median price of an existing home. What does this mean for the market? #housingmarket #realestate #newhomes #economy
THIS is Why Renters ARE WINNING IN 2025... Michael Bordenaro 2025-10-06 | 00:00 The Hidden Costs of Homeownership in 202502:14 The Never-Ending Property Tax Burden04:03 Skyrocketing Homeowners Insurance Rates05:2647 The Constant Grind of Home Repairs and Maintenance07:53 The Condo and HOA Expense Trap08:40 Rising Utility Costs: The Bigger the House, the Bigger the Bill09:59 The Time Commitment of Homeownership: Kiss Your Weekends Goodbye12:41 Home Repair Costs Outpacing Inflation16:17 Renting is Cheaper Than Owning in Most Major Metros17:52 Embrace Renting and Invest the DifferenceA lot of people are upset that they cannot afford a house at today's prices and they have a hard time saving up the down payment. But the honest truth now is that buying the house is actually the easy part. Once you own the house, you have a whole new set of expenses and responsibilities you didn't have before and many people can no longer afford those expenses.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Buy Gold and Silver sovrn.co/2t2ly3m=======Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videofloridarealtors.org/news-media/news-articles/2025/09/home-repair-remodeling-costs-outpace-inflationhttps://apple.news/ApVQNy0G6SC-QqJ52fGtcMQFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
THIS is Why Median Home Prices Keep Going Up Michael Bordenaro 2025-10-06 | The video highlights how the recent surge in the high end is not due to wages going up, or this being the best housing market ever. The strongest part of the market is in the high end, and shows a spike last month. This is simply wealth perpetuating wealth, and impacts the overall economy.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========Buy Gold and Silver sovrn.co/2t2ly3m========Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
Why Things FEEL WORSE Than We’re Being Told Michael Bordenaro 2025-10-05 | 00:00 Economic Disconnect: It Really is THAT BAD03:10 Small Business Struggles and ADP Payroll Data Insights05:39 Oregon Layoffs: Echoes of the Great Recession?06:52 Personal Financial Struggles: The True Measure of Economic Health10:57 Car Market Distress: Declining Down Payments and Rising Monthly Payments14:32 Challenging the Stock Market Narrative: Are We Really Prospering?16:24 Priced in Gold: Unveiling the True Economic RealityA lot of economist as well as the Trump administration are trying to tell everybody that this is still the best economy ever, but people know in their gut that is a lie. When they look at how much money they have left after paying their bills each month or looking at the sacrifices, they have to make because the dollar doesn't go as far as it used to. That's all people need to know about how good the economy is really doing.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Buy Gold and Silver sovrn.co/2t2ly3m=======Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/A5UMumyFkTQ2tmF_vkoJnjwrv-times.com/2025/09/15/oregon-mass-layoffs-approach-great-recession-levels-averaging-600-per-monthfoxbusiness.com/economy/new-car-down-payments-hit-4-year-low-buyers-struggle-affordability.amphttps://apple.news/AS0Swv-bzSda7WpPyaJC2Bwpricedingold.com/dow-jones-industrialsFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
The REAL REASON Everyones Refinancing Right Now Michael Bordenaro 2025-10-05 | Many homeowners are stuck with 'golden handcuffs,' unable to find better deals. Some, facing financial difficulties, are forced to sell. Refinancing is up as people prioritize debt payoff over downsizing. #realestate #mortgage #refinance #goldenhandcuffsNeed a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========Buy Gold and Silver sovrn.co/2t2ly3m========Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
Home Prices Are FALLING FAST - 2025 MELTDOWN Michael Bordenaro 2025-10-04 | 00:00 Price Cuts - The NEW MARKET REALITY02:59 The Lock In Effect Is Gone06:37 Amazon Tiny Homes - Who Should Buy One?12:11 How Government Shutdown Affects Real EstatePrice cuts on the US housing market continue to grow. As of September 2025 20% of all listings had a price cut and properties between $350-$500,000 saw the steepest price cuts of all. This is at the same time inventory continues to rise, which is all great news for people who have been patient and been waiting to buy a house.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Buy Gold and Silver sovrn.co/2t2ly3m=======Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/A4aGW1APxQ1mKEvuqmj4Q6wfloridarealtors.org/news-media/news-articles/2025/10/lock-effect-shows-early-signs-easingfloridarealtors.org/news-media/news-articles/2025/10/buyers-could-face-delays-during-shutdownhttps://apple.news/AvJIJwvioQj6mXtYFaa1kkAFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Thinking of Buying a Home NOW? Read the WARNING Signs! Michael Bordenaro 2025-10-04 | Thinking of buying a home because prices are at an all-time high? It might be a huge red flag. These increases are not going away, and people will continue paying more for property taxes and higher insurance premiums. #homeprices #realestate #propertytax #insurance #redflags Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
MAJOR BANK Issues NEW Recession WARNING For 2025 Michael Bordenaro 2025-10-03 | 00:00 UBS Recession Warning: A 93% Chance in 202503:48 Recession Survival Guide: Liquidity, Budgeting, and Debt Reduction06:00 Backup Plans and Side Hustles for Economic Hard Times07:08 GDP Impact: How New York and California Drive the Economy08:41 State-by-State Economic Growth and the Government Shutdown10:17 Wall Street Layoffs and Preparing for a Downturn12:35 Essential Preparations: Gold, Silver, and Multiple Income Streams16:08 Job Market Crash: Recession Signs in Hiring and Firing RatesUBS Bank just came out this week and said the US has a 93% chance of entering a recession in 2025. This claim is further backed up by recent employment data from Challenger gray and Christmas that shows the job market is the worst we have had since 2009 during the GFC.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Buy Gold and Silver sovrn.co/2t2ly3m=======Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/ATILn0TDwSCG5u5y2Oc9ZzAhttps://apple.news/AcWZASYfiT7OjQXhll2rstghttps://apple.news/A0PaGT_E3TbiuL1k-9APRMghttps://apple.news/Ag-q5Jn98Sj2Qi1cKbL3mzQFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Insurance Companies POST RECORD PROFITS As They HIKE Your Premiums Michael Bordenaro 2025-10-03 | State Farm is citing severe weather as the reason for financial losses in Illinois. Last year's hail damage payouts in Illinois totaled over $638 million, second only to Texas. Is this a valid excuse for rising premiums, despite record profits? #StateFarm #Illinois #HailDamage #insurance Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
THIS is How Americans PAY THEIR BILLS NOW... Michael Bordenaro 2025-10-02 | 00:00 Extreme Sacrifices for Homeownership: Is it Worth It?02:36 Incomes vs. Inflation: Why Housing Affordability Struggles Persist04:15 The Pitfalls of Dual-Income Homeownership: Buying Based on One Income06:28 Accidental Landlords and Declining Rent Growth09:44 Sneaky Landlord Tricks: Rent Hikes for Long-Term Tenants12:07 Not All Landlords Are Bad15:48 New NYC Law: Appliance Installation Costs Passed on to TenantsPeople are making all sorts of sacrifices these days just to be able to make their housing payment. Whether it's living with an ex, skipping meals or even giving up their pets. These are some extreme choices that people have to make just to be able to keep a roof over their head in 2025.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Buy Gold and Silver sovrn.co/2t2ly3m=======Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videonypost.com/2025/09/25/us-news/nyc-passes-new-appliance-mandate-that-critics-argue-will-make-rent-prices-soarredfin.com/news/survey-homebuyers-renters-family-sacrificessfist.com/2025/09/25/sfs-once-biggest-landlord-veritas-defaulting-on-another-652-million-in-loans-66-buildings-may-be-up-for-grabshttps://apple.news/A8Cs5OoMQTV6rett8p6Y-QgFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Make Sure You Can Handle THIS BEFORE BUYING A HOUSE Michael Bordenaro 2025-10-02 | Homeowners are facing unexpected expenses, including a recent 6% property tax increase in Bristol. Over the past four years, property taxes have risen by 27%, leaving residents outraged and concerned about affording their homes. #propertytax #homeowners #Bristol #realestate #taxincrease Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
This Chart Shows The JOB MARKET IS RUNNING ON FUMES Michael Bordenaro 2025-10-01 | 00:00 The US Labor Market: Running on Fumes02:35 Healthcare's Dominance in Job Growth03:57 Pricing Assets in Gold: Revealing True Value07:30 Trades vs. Tech: A Viewer's Perspective on Job Security09:13 Job Market Woes: Low Hiring Rates & Consumer Sentiment11:15 Consumer Spending: A Misleading Indicator of Economic Strength15:03 Rising Delinquencies and Distorted Job Data17:06 Inflation Concerns Persist Amidst Rate Cut CycleJob growth has been essentially flat over the past year when you remove government jobs being created as well as healthcare jobs in the private sector. Going all the way back to 1960 we have never seen the job market remained this flat for this long. This could be something even worse than a recession.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Buy Gold and Silver sovrn.co/2t2ly3m=======Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/Ailszq4TbRfqYkQ9ogOOHgQhttps://apple.news/AkDgmCwTnRiyBwa9t1FSa6whttps://apple.news/ATvQTWNLZTBmrUIr60Y13RAhttps://apple.news/A1jvWWZP8RLGGYA2ovnqGFAhttps://apple.news/ALSB9oxVuSEuc1A5hopy9igpricedingold.com/charts/week//Week-250912.pdfFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Property Taxes + Insurance Hikes = BREAKING Point for Homeowners Michael Bordenaro 2025-10-01 | Homeowners are reaching their breaking point with rising property taxes and insurance costs. What happens when entire communities refuse to pay? The financial burden is becoming unbearable. #propertytax #insurance #homeowners #revolt #economy Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
Economists Predict WHEN The US Economy Will Crash, THIS is the Date Michael Bordenaro 2025-09-29 | 00:00 Impending Economic Crash: Warning Signs and Expert Predictions05:04 Mounting Debt Interest and the Looming Crisis06:32 Household Financial Struggles: Tariffs, Stagnant Wages, and Exploding Costs07:55 Consumer Sentiment Declines: Wealth Disparity and High Prices10:25 Changing Attitudes Toward College: Exploring Alternative Career Paths14:35 Financial Support from Wealthy Parents: Hampering Children's Independence16:52 Seizing Opportunities in a Challenging Economy: Blue Collar Jobs and AIThe economy already might look bad right now, but according to economist predictions, things are only going to get worse over the next few years. As the value of the dollar continues to deteriorate due to inflation and currency alternatives as well as America's debt spiraling out of control.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videofloridarealtors.org/news-media/news-articles/2025/09/consumer-sentiment-slips-septemberhttps://apple.news/AJ7LrX8UhRFCRC87VP5fr3whttps://apple.news/A61SC-AhkT9WcvxmJON-v6gFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Illinois Homeowners SLAMMED with 27% Insurance Rate Increase Michael Bordenaro 2025-09-29 | Starting August 15, 2025, State Farm homeowners in Illinois will see a 27% premium increase. The insurance company says this affects 1.5 million customers, blaming extreme weather and rising repair costs. #insurance #Illinois #StateFarm #homeowners #premiums #inflationhedge Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
The Car Market COLLAPSE IS HERE Michael Bordenaro 2025-09-28 | 00:00 Auto Market Crash: Warning Signs for the US Economy03:06 EV Tax Credit Deadline: A Temporary Sales Surge06:01 Declining Auto Sales and Rising Delinquencies08:46 Auto Industry Slowdown: Implications for the Economy10:21 Broken System: Inflation and Wage Stagnation11:53 EV Tax Credit Anxiety: Dealerships Face Payment Delays14:48 Claiming EV Tax Credits: Options for Consumers16:31 Student Loan Delinquencies: A Looming Economic ImpactThe car market is flashing warning signs on the US economy about where people stand financially. Even with major incentives people are still not buying brand new cars and inventory. Continues to pile up on dealership lots. Even used car dealers like Carmax that do a lot of volume are seeing their stock prices plunge due to poor sales.Buy Gold and Silver: sovrn.co/2t2ly3m=======Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videodynamicglobalinsights.substack.com/p/us-auto-sales-cool-despite-incentives?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F111c7d84-a1f2-4cdb-b925-b5cbb6b705c9_1536x1024.heic&open=falsewsj.com/business/autos/carmax-profit-plunge-signals-more-pain-ahead-for-tariff-strained-auto-sector-374966c7?st=HC7xuw&reflink=desktopwebshare_permalinkhttps://apple.news/At2W6X00lQoeuhg0t2IcbMghttps://apple.news/AVRHzjqamSJCaHtu0RsYeCAFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Inherited Homes WILL CRASH THE HOUSING MARKET Michael Bordenaro 2025-09-27 | 00:00 Inherited Homes: Why They're Often Sold05:04 Future Home Prices: The Impact of Inherited Homes06:49 Surprising Jump in New Single-Family Home Sales10:46 Lessons from Builders: Pricing Strategy for Home Sales13:48 Existing Home Sales are Stuck15:22 Wealthy Parents Buying Homes for College StudentsOne way we know for sure that a massive amount of inventory will hit the US housing market in the next couple of decades is because of inherited homes. In fact, 40% of people who will inherit a home say that they cannot afford that inherited home. Which means they are going to sell it and with so many homes hitting the market over the next 20 years. This is going to increase housing supply like we have never seen before, which ultimately leads to lower prices.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Sign Up For my Weekly Newsletter:subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videofloridarealtors.org/news-media/news-articles/2025/09/new-home-sales-us-take-unexpected-jumphttps://apple.news/AlTbKr0_mQVO2NaiuMrnfdQhttps://www.nar.realtor/research-and-statistics/housing-statistics/existing-home-saleshttps://apple.news/Ae3x6oOE5TmuGaxmrp4FnGQFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
NEVER Use Your House to Pay Off Debt (Heres Why) Michael Bordenaro 2025-09-27 | Refinancing for quick debt relief can backfire. People often tap into home equity without learning crucial financial lessons, leading to deeper trouble later. The short-term satisfaction isn't worth the long-term risk. #refinance #mortgage #debt #HELOC #financialtroubles Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
The DEATH of The Middle Class: Why EVERYONE FEELS BROKE Michael Bordenaro 2025-09-26 | 00:00 The Extinction of the American Middle Class04:58 Living Beyond Your Means06:56 Strategies for Achieving Middle-Class Status08:50 The Temptation of Debt and 'Buy Now, Pay Later'11:50 The Marketing Tactics of 'Buy Now, Pay Later' Companies Target Women13:27 The Danger of Overspending and Bad Habits15:14 Frozen Job Market and the Increase of Debt17:01 Starbucks Restructuring Plan and the Recessionary EnvironmentSigns of a strong middle class have been rapidly disappearing in America even if you have a middle class income. The reason of course, is inflation and incomes have not been keeping up with inflation but even a middle class income no longer buys what it used to making people who are actually financially well off feel behind.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======Sign Up For my Weekly Newsletter: subscribepage.io/MichaelBordenaro=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/AcVxjjecQQoiOgxF5EDbIXghttps://apple.news/Ay3XRSxGYRt6DYKPAE-dAlwhttps://apple.news/AOIjTQk7JRimIowY_vGx5wQhttps://apple.news/AXJFqDHajSGWsITpGPYi0dQhttps://apple.news/AkjurIf3SQjOOmTJZqHL1AwFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Cash Out Refinance: Real Example of EXPLODING PAYMENT Michael Bordenaro 2025-09-26 | Thinking of refinancing to solve financial woes? See how adding debt can skyrocket monthly payments. Qualifying isn't guaranteed; income matters! A cautionary look at refinancing risks. #refinance #mortgage #debt #finance #realestate Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
The Housing Crisis FORCING AMERICANS INTO RV LIVING Michael Bordenaro 2025-09-25 | 00:00 America's Housing Crisis: The Rise of RV Living06:30 Housing Market Intervention: Propping Up Prices10:52 The Real Economy Starts to Show its Face12:09 Home Builders Retreat as Prices Crash17:26 High Costs to Maintain a Home18:36 Midwest Real Estate Cracks: A Viewer's AnalysisThere are a record half a million Americans now living in RVs full-time because they cannot afford permanent housing. Sure it is better than being homeless, but they are one step away from being homeless, especially if a major repair cost comes up on the RV they cannot afford.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videostrongtowns.org/journal/2025-7-21-what-happens-when-housing-prices-go-down-because-they-arenbcnews.com/news/amp/rcna231942https://apple.news/ACOhVyX0aRAKQIqqJfIRwkQFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Condo Special Assessment Insurance IS A RIP OFF Michael Bordenaro 2025-09-25 | Special assessments on condos can be very expensive. A $10,000 coverage might seem helpful, but it barely scratches the surface. A $40,000 assessment leaves the buyer responsible for $30,000. This creates a false sense of security. #condo #realestate #investment #insurance
Buying a House Today WILL BE A MONEY PIT Michael Bordenaro 2025-09-25 | Buying a house might seem affordable based on the mortgage payment. However, new homeowners often don't realize the extra costs, such as maintenance and insurance. These expenses can create a financial burden. #homeowner #expenses #mortgage #insurance #maintenance
Consumer Debt Has SPIRALED COMPLETELY OUT OF CONTROL Michael Bordenaro 2025-09-24 | 00:00 The Growing Crisis of Consumer Debt in the US02:45 Waterfront Views in Sausalito03:14 Young Adults Taking on Debt to Impress Others04:11Talking Finances in Relationships07:26 Student Loan Debt Crisis and Its Impact10:37 Disney World's Unexpectedly Low AttendanceDebt in America just reached new record highs and it has been steadily increasing since about 2014 with a noticeable spike over the past five years. The problem of course is that income is not keeping up with the level of debt that people are getting themselves into which will lead to many going into bankruptcy in the future.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videodisneydining.com/labor-day-magic-kingdom-crowds-2025-jc1wisn.com/article/consumer-reports-struggling-to-pay-your-student-loans/66066249wisn.com/article/americans-trillion-credit-card-debt-age/66053447zerohedge.com/markets/2-5-young-adults-are-taking-debt-social-image-impress-peers-study-findsfinds?ref=biztoc.comFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Financial Lesson: Why Saving & Living Below Your Means Matters Michael Bordenaro 2025-09-24 | Even those who seem financially secure can paint themselves into a corner with limited good options. The video explores the importance of living below means and saving for a rainy day. It also highlights the dangers of job loss. #financialplanning #savings #investing #jobsecurity #personalfinance Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
Number 1 Indicator Home Prices ARE ABOUT TO CRASH Michael Bordenaro 2025-09-22 | Ad: Get 20% off your DeleteMe plan when you go to: http://joindeleteme.com/Bordenaro00:00 Housing Market Warning: Rising Days on Market Signal Price Declines01:46 Florida Housing Market: Ground Zero for Price Cuts and Listing Removals03:27 Nashville and Las Vegas: Increasing Time on Market and Inventory Surge04:43 Steepest Price Corrections: Markets with Largest Inventory Increases06:21 Sign Up For Delete Me07:26 Home Equity Agreements: A Risky Alternative to Traditional Loans10:51 Pros and Cons of Home Equity Agreements: No Monthly Payments vs. High Costs14:11 Utah Housing Propaganda: Debunking the Housing Shortage Myth14:49 NIMBYism and Developer-Driven Agendas: The Utah Housing Debate16:53 The Housing "Shortage" is a LIEThe housing market has a big problem right now. Days on market across the country are now higher, and it was pre-pandemic which means homes are sitting on the market for a very long time before selling some of them not selling at all. And many sellers mistakingly still believe that by taking their home off the market today and trying again next spring is going to net them a better result. They are sorely mistaken and will find out by next spring. They will likely have to list at an even lower price to garner buyer interest.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videodailymail.co.uk/real-estate/article-15086063/biggest-metros-flashing-grave-warning-house-price-crash-next.htmlhttps://apple.news/AJDqPg6WtQKSvDfLM4l324gfox13now.com/news/fox-13-investigates/how-utah-is-spending-2-million-to-tell-you-theres-a-housing-shortage#google_vignetteFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Special Assessments ARE TANKING THE CONDO MARKET Michael Bordenaro 2025-09-22 | Uncover the truth about special assessments and how they're impacting condo sales. Buyers are wary of unexpected expenses, with some facing assessments in the hundreds of thousands. Selling might be the only option, possibly at a loss. #condos #realestate #investing #floridarealestate Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
Margin Debt HITS DANGEROUS NEW LEVEL: Your House WILL BE TAKEN Michael Bordenaro 2025-09-21 | 00:00 Wall Street's Risky Margin Debt: Echoes of the 2008 Crisis04:52 The Crushing Reality of Average American Household Expenses08:41 Grocery Price Anxiety: Americans Struggle with Rising Food Costs11:17 Financial Uncertainty: Impact on Mental Health and Relationships12:34 Strategies to Reduce Food Costs: Smart Shopping and Eating at Home15:23 Mortgage Rate Reality: Why Fed Rate Cuts Aren't HelpingMargin debt on Wall Street is starting to reach dangerous levels, which means that many investors are overly leverage and can have a significant impact on a housing market and stock market crash.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/AgqLnxnBDSEWEQfdJMm7npwfool.com/money/research/average-monthly-expenseshttps://apple.news/AD8N-StW8RiCKPy9xW8vmCwhttps://apple.news/Av3VFUICxTJCz9PxghGNv5QFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
$6000 Utility Bills: The NEW NORMAL for Homeowners Michael Bordenaro 2025-09-21 | American homeowners spend around $4,500 each year on utility bills, according to a BankRate study. Cable and internet add another $1,500 annually. Some forego home internet, using cell phone plans instead. #homeowners #utilities #bills #internet #cable #bankrate Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz.
Foreclosure Crisis Begins Help With Mortgage EXPLODES On Google Trends Michael Bordenaro 2025-09-20 | 00:00 Google Search Data Reveals Mortgage Struggles03:38 Rising Mortgage Delinquency Rates: Warning Signs05:08 The Impact of FHA Loans and Government Intervention06:22 Foreclosure Filings on the Rise: Echoes of 2008?07:36 Cash-Out Refinances and Adjustable Rate Mortgages Surge09:43 Real Estate as an Inflation Hedge: Is it a Good Idea?12:30 Meeting Sabrina Deliver For Amazon Flex and the REAL Economy14:01 Evaluating Real Estate as a Hedge Against Inflation16:20 The Reality of Homeownership Costs and Inflation17:45 Long-Term Mortgage Payments vs. Rent: A Comparison18:44 Homeowners Losing Equity: A Widespread TrendRecent Google trends search help with Mortgage has been exploding, which could be an early warning sign that people are tapped out and can no longer pay their mortgage. I've already been seeing delinquencies pickup over the past few months and this could be assigned that delinquencies are about to explode even further.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/ANMErOomMQBWBBw6i3kZbVwhttps://apple.news/AqYoqP7deQcOIK0JTvRJ-AAhttps://apple.news/AEIg5P1H4Qtu0ZEyWIfmi7whttps://apple.news/AFzlLWWxzShi_4-ItmJGO3gFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Buying a House Built BEFORE 1980 Can BANKRUPT YOU Michael Bordenaro 2025-09-20 | Older homes can be money pits. Houses built before 1980 cost homeowners 76% more in maintenance in 2023. Renting might be cheaper than owning, even with a good deal. #homeowner #realestate #homeownership #maintenance #housing #renter
Why Your Emergency Fund is VANISHING FASTER THAN EVER Michael Bordenaro 2025-09-19 | 00:00 Shrinking Emergency Funds & Inflation Worries06:00 Analyzing the Fed Rate Cut & Future Projections07:33 Historical Rate Cuts & Recession Risks09:30 Bond Investor Doubts & Treasury Yield Analysis13:49 Unequal Inflation Effects: Location & Lifestyle17:00 US Retail Sales: A Deceptive Increase?19:56 GDP Boost & Inflation ExpectationsNow that the FED has cut interest rates once again, inflation fears are surging as the latest inflation reports already showed another uptick in inflation, and after this interest rate cut, this problem is likely to only get worse. The FED's reasoning, for this is to save the job market for what good as a job if you can't afford to buy anything.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/AXyq-O1ngRXCDdVxL-T0YSAhttps://apple.news/ADPsYhXOqTGuz3MtfosDzrQhttps://apple.news/AxubsZI_YT3y__eFRcwNuWQhttps://apple.news/AgcILQkaMSqGrD21hGAr3cQhttps://apple.news/AgISuAYS9Q1Wz3cY6qeDk9QFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Home Sellers Are LOSING ALL THEIR POWER Michael Bordenaro 2025-09-18 | 00:00 Shifting Power Dynamics in Real Estate: Sellers Losing Ground02:48 Affordability Crisis: Disparity Between Listing Prices and Income04:51 Sellers Face Reality: Price Cuts and Market Denial06:21 Home Builders' Strategies: Price Cuts and Sales Incentives10:11 Cost Breakdown: Expenses for Sellers in Today's Market13:11 Luxury Properties: Negotiating Lower Commissions15:39 Talking With a Fan of the Channel About Real Estate19:14 Home Affordability Has NEVER Been This Bad22:07 Conflicting Data: Is Home Affordability Improving?Home sellers have officially lost control of the wheel of the ever turning housing market. The affordability levels for buyers are abismal, as the median income household today can only afford to buy a $300,000 house while the median home price in America is $439,450. Home sellers have no choice but to lower prices if they want to get their homes sold.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videofloridarealtors.org/news-media/news-articles/2025/09/housing-market-shifts-sellers-adjust-pricesfloridarealtors.org/news-media/news-articles/2025/09/us-housing-affordability-shows-modest-gainsfloridarealtors.org/news-media/news-articles/2025/09/census-bureau-cost-homeownership-risinghttps://apple.news/ARh4p8jw7TQmat5vvSNL34wFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
These SECRET Expenses Can Make BUYING A HOME RISKY Michael Bordenaro 2025-09-18 | Buying a house? It's tempting to focus on monthly payments alone, but hidden expenses can make it a bad deal. Potential buyers should ask the current owner for copies of utility bills before they buy. #homebuying #realestate #mortgage #utilitiesforeveryhome Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
The Job Market is EVEN WORSE THAN WE THOUGHT Michael Bordenaro 2025-09-17 | 00:00 Economists Downplay Job Market Collapse02:25 Unemployment Miscalculation: Ignoring Long-Term Job Seekers05:00 Shrinking Labor Force: Retirement, Immigration, and Deportation06:40 Federal Reserve Rate Cuts: Will They Save the Economy?08:04 Falling Credit Scores: A Sign of Tough Economic Times11:45 Job Hugging: Hanging On For Dear Life13:22 Holiday Hiring Season: Uncertainty and Paused Hiring15:12 Revisions Reveal Job Losses and Rising Long-Term UnemploymentI'm starting to see news stories coming out that are designed to justify why "the job market is not as bad as it seems". But the problem of course, is this is not reality. Just ask anyone looking for a job right now if its not that bad. Twisting words and and making excuses doesn't make it any easier for someone who needs a job today to get one.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/ACWRGYK7YRJqxxfYi5LbsZghttps://apple.news/AkIU4ZNwsSiSiOFhgqcHb-Ahttps://apple.news/ARh4p8jw7TQmat5vvSNL34whttps://apple.news/A5iKy5ZZwS9KXM2FiWiSgWQhttps://apple.news/AKiXwz1m9RbOgQa6dDBXNBgFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Home Warranties Are DESIGNED TO SCREW YOU OVER Michael Bordenaro 2025-09-17 | Before getting a home warranty, it's important to ask questions about what exactly is covered. It is important to clarify coverage for appliances and systems like refrigerators, dishwashers, sump pumps, heating, and air conditioning. Vague answers could be a red flag. #homewarranty #homeownership #homeimprovement #realestate Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
EVEN Baby Boomers Are Living PAYCHECK TO PAYCHECK Michael Bordenaro 2025-09-15 | 00:00 Baby Boomers, Wealth, and Retirement Realities03:41 Regrets and Realizations: Analyzing Past Financial Choices06:43 Investing Early: Assets for a Secure Retirement08:31 The "Die With Zero" Philosophy: Spending vs. Saving11:13 Accumulating vs. Using Wealth: A Psychological Shift13:05 The Stark Reality of Retirement Savings in America16:37 Inspiration and a Call to Action for Younger GenerationsA lot of young people think that all the baby boomers got it good and they have all the money, and while there is some truth to that, the reality is, a lot of baby boomers are still struggling and living paycheck to paycheck just like everyone else.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/AZEzbHNnyTFC5gnik1FMlRQhttps://apple.news/AOBKjvB0mQCaoT_3mpVxuFwhttps://apple.news/Am6qVQFEOSVOkpfJjrS_YHgFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
NEVER Buy These Type of Houses Michael Bordenaro 2025-09-14 | 00:00 The Risks of Buying Renovated Homes Without Proper Permits02:52 Importance of Title Searches and Seller's Disclosures05:10 Buyer's Due Diligence: Verifying Permits for Renovations06:49 How To Buy a House WITHOUT INCREASING PROPERTY TAXES10:47 California's New VMT Tax: Impact on Housing Affordability13:51 Toronto Housing Market Crash: A Warning Sign for the USMost people these days want to buy a turn-key house and save the hassle of doing all the renovations themselves. However, some people are finding out the hard way that when you buy a house that's already been renovated. There can be a lot of hidden secrets that can end up being your problem if you don't know what to look for ahead of time.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/APj0uSV0UQH2B94w09GSzqAnbcmiami.com/responds/homebuyers-facing-thousands-in-fines-after-purchasing-renovated-houses/3690111/?amp=1timesofsandiego.com/business/2025/09/07/coalition-group-says-new-tax-could-add-324000-to-housing-costsFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
MASS Complaints Filed Against Home Warranty Companies Michael Bordenaro 2025-09-14 | Thousands have complained about home warranty companies since 2019. Many AC unit claims are denied. State attorneys general are receiving complaints about these companies, too. #homewarranty #complaints #Texas #Tennessee #illinois Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
How Unemployed People ARE PAYING THE BILLS RIGHT NOW Michael Bordenaro 2025-09-13 | Ad: Get 20% off your DeleteMe plan when you go to: http://joindeleteme.com/Bordenaro00:00 The Harsh Reality of Today's Job Market - 14 Months Unemployed02:03 Strategies for Cutting Costs During Unemployment03:40 The Hustle: Side Gigs and Odd Jobs for Income05:29 Navigating the Job Search: Resumes and Networking in the AI Age07:15 Forced Early Retirement: A New Perspective on Getting By08:58 Sign Up For Delete Me10:03 The Rising Unemployment Claims and Lagging Benefits12:58 Unemployment Benefits: A Broken Bridge to Stability14:20 Surviving on Debt: Buy Now, Pay Later and Risky Loans16:54 The Danger Zone: Housing and Risky Mortgages19:02 Margin Borrowing and Corporate Debt: Piling on the Risk20:02 Economic Weakness: Camping World Closure and RV Sales DeclinePeople who lose a job in 2025 or even who lost a job in 2024 are finding out that they are out of work for much longer than they originally thought they would be due to one of the worst job market in American history. For the first time in a while, we have more people looking for a job then jobs available all at a time when inflation is still crushing the average household budget and AI is replacing many entry-level jobs.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/ASCM3ETQmS7-AOC264vo8Oghttps://apple.news/ARBmlTobMSk2gvzm7mfb3gwdrivinvibin.com/2025/09/05/camping-world-closes-is-it-a-sign-of-recessionhttps://apple.news/A9FHNFojNQn6O6URuKYZNtQFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Living In Florida COMFORTABLY NOW COSTS $97K/ YEAR Michael Bordenaro 2025-09-13 | Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
EMPTY TABLES: The New NORMAL For Restaurants Michael Bordenaro 2025-09-12 | Shoes I mention in the video: amzn.to/3IoppCL00:00 Rising Restaurant Prices and Changing Dining Habits in Miami04:53 Local Perspectives: Miami's High Cost of Living07:25 Economic Factors Impacting Miami Restaurants09:31 The Frustrations of Traffic, Parking, and Noisy Restaurants14:01 Analyzing the Latest Inflation Report: Key Price Increases15:44 Rising Unemployment and Stagnant Wages17:28 Companies Passing Costs to Consumers: A Real-World Example19:10 The Jobs Market: Rate Cut Won't Magically Solve the ProblemMany people are done going to restaurants in this economy due to the exorbitant cost of food these days both at the grocery store and at restaurants making it a very bad financial decision for many folks hoping to save a little extra money or those just trying to get by.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/A8uVDrNgRSpCNuEyZ3SaaVQhttps://apple.news/A7_z3jLvGQki2VJmWlAJ18whttps://apple.news/ASm4KyyzuSx2DZSAg0qwK-gFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
Living Near The Ocean CAN ACTUALLY MAKE YOU LIVE LONGER Michael Bordenaro 2025-09-12 | Living near the ocean may increase life expectancy. There's something about waking up to the ocean view that inspires a desire to work hard and enjoy life to the fullest. California and Florida offer that lifestyle. #oceanlife #lifeexpectancyNeed a Real Estate Agent? Get one for FREE: homeandmoney.com/michael========My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
FOMO Made Me Buy a House in 48 HOURS Now I CANT SELL IT... Michael Bordenaro 2025-09-11 | So many people who bought homes between 2021 and 2024 have been hit with major assessments, unexpected expenses, and increased tax bills on their property all while seeing the value of their property go down. And now that they realize they made a mistake buying a property that they shouldn't have, they are selling at a loss. But this doesn't have to happen to you. You can learn from others mistakes and find out where they went wrong.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/AY2yYapZbQeC6Vpo4zePP8ghttps://apple.news/AE1Hnt_55S7uvyqu2uqEmxQhttps://apple.news/AgreUiDUORBu3qxRTKLaGegfloridarealtors.org/news-media/news-articles/2025/08/more-homeowners-turn-cash-out-refinancingfloridarealtors.org/news-media/news-articles/2025/09/report-florida-homelessness-risingFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
HOA Abuse DONE FOR GOOD? HUGE Win For Homeowners Michael Bordenaro 2025-09-11 | California's new HOA law is preventing abuse of power, saving homeowners money, and stopping unjust home losses. However, some worry the $100 violation cap may not be enough to deter bad actors. #HOA #CaliforniaLaw #RealEstate #Homeowners #PropertyManagement
Morgan Stanley: The Recession is ALREADY OVER.. Michael Bordenaro 2025-09-10 | 00:00 Morgan Stanley's Optimistic Economic Outlook02:27 Agreement with Recession Since 202206:22 Treasury Yields Signal Deeper Recession07:43 Fed's Impending Rate Cut Dilemma09:40 Stagflation: Low Growth, Rising Inflation, and Unemployment11:11 Loss of Control and Economic Realities13:29 Consumer Perceptions and Economic Worries16:00 People Are Still "Feeling Good" About Their Finances17:01 Lumber Prices: A Warning Sign for the EconomyMorgan Stanley came out with some bold statements lately saying that the slow jobs market and downward revisions actually mean that the recession is over not starting. That's a very controversial statement so let's look at some of their claims to see if it has any merit.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/A5r4j0UdlRLC7pIT8KxNBHAhttps://apple.news/ACRzh2L8aSFGdGYQhGTmMOQhttps://apple.news/AgO2gBB8QSn-ohxd-GpMl6Ahttps://apple.news/A05BhWYmwTz6TzlRhAo_KpQhttps://apple.news/ArkvDbSogT5KCIosOuMujfAFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
HOAs CANT DO THIS ANYMORE IN CALIFORNIA... Michael Bordenaro 2025-09-10 | A new California law, AB 130, protects homeowners from excessive HOA fines. Fines are now capped at $100 per violation, with no interest or late fees. Homeowners can fix issues before facing discipline. #HOA #CaliforniaLaw #HomeownersRights #realestate Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2oz
People Have STOPPED PAYING THE RENT Michael Bordenaro 2025-09-08 | 00:00 Rising Late Rent Payments: Trends and Forecasts03:14 Broader Debt Issues: Student Loans, Mortgages, and More03:40 Strategies to Combat Financial Struggles06:15 Personal Experience: Overcoming Financial Hardship07:40 Identifying and Breaking Bad Financial Habits08:50 Tenant Advice: Communicating with Your Landlord10:53 Condo Special Assessments: What Happens If You Can't Pay?14:00 Renting vs. Buying: A Financial Comparison16:45 Real Estate Story: Risks of Ignoring Due Diligence20:14 Redfin's Prediction: Housing Costs Returning to Normal by 2030?Late rental payments in July 2025 for private properties is projected to be at 11.4% which is 2% higher than just one year ago. That translates into millions of more people behind on rent payments than one year ago which shows us that the economy continues to be heading in the wrong direction.Need a Real Estate Agent? Get one for FREE: homeandmoney.com/michael=======My Filming and Editing Equipmentmichaelbordenaro.com/my-youtube-gear======Save Money on Property Taxes FOREVER! http://Ownwell.com/michaelbordenaro======Get Cash Back on ALL your Internet Purchases!rakuten.com/r/NIRVPL2?eeid=28187======My Microphone (Lot of People Have Asked)amzn.to/3Mhs2ozArticles Mentioned in the Videohttps://apple.news/AH1XokOMRSbywHx-hKQu2iAfloridarealtors.org/news-media/news-articles/2025/09/cant-pay-condo-assessment-whats-nexthttps://apple.news/Aq8u9y8LSRZqOOMXETdBRwwhttps://apple.news/AqyL0qFpSRfiHxBJi62m03wFTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support the channel! :)DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.
HOA Fines Woman $500 a Day for THIS SIMPLE Renovation Michael Bordenaro 2025-09-08 | A California woman defied her HOA to fix a doorway. The manager saw the renovation and fined her $100, then $500 per day after that. Imagine such a high fine! #HOA #renovation #California #fines #property #condo
