The Upside Down - Hand Stands and Yield Curves | Financially Fit Radio Ep. 32 скачать в хорошем качестве

The Upside Down - Hand Stands and Yield Curves | Financially Fit Radio Ep. 32

The Upside Down - Hand Stands and Yield Curves | Financially Fit Radio Ep. 32 In this special episode of Fitness & Finance Radio, hosts Jeff Smith of The Retirement Smith and Jennifer Scherer of Fredericksburg Fitness Studio are joined by mortgage expert and yogi Melissa Okrasinski from CMS Mortgage. Together with co-host Tony Shore, they dive into current mortgage rates, affordability challenges in the housing market, and how rising insurance and interest rates are impacting first-time homebuyers. Melissa also shares her personal wellness journey through yoga, the mental and physical benefits of inversions, and how movement helped her through major life challenges. The episode ends with a live demonstration of a handstand—only on Fitness & Finance Radio! Timestamps: 00:00 - Welcome to Fitness & Finance Radio 00:55 - Introduction of co-host Tony Shore 02:10 - Meet special guest Melissa Okrasinski from CMS Mortgage 05:08 - Mortgage interest rate trends and market updates 08:40 - The impact of affordability beyond interest rates 13:10 - Income, inflation, and the real cost of borrowing 16:25 - Credit score thresholds and loan qualification nuances 20:45 - Financial fitness and the cost of low credit loans 24:30 - Rising housing and insurance costs in Virginia 27:00 - The Federal Reserve and mortgage-backed securities 30:55 - Inverted yield curves and economic signals 33:40 - 15 vs 30-year mortgage insights 36:15 - When low rates drive poor homebuying decisions 38:30 - The need for more homeownership participation 41:50 - Generational shifts in homeownership and affordability 46:05 - Trade careers and shifting job market opportunities 48:00 - Housing affordability and relocating for budget 51:15 - The value of trades and income potential 53:20 - Transitioning to fitness: yoga and mental wellness 55:00 - Melissa’s yoga journey and rediscovering movement 59:00 - Emotional healing and strength through handstands 01:02:00 - Inversions, mindfulness, and yoga philosophy 01:06:10 - The power of breath and presence in yoga 01:08:45 - Using yoga for mental and physical clarity 01:11:00 - The deeper purpose of yoga postures 01:13:00 - Tony’s surfing failures and yoga humor 01:15:15 - Live handstand demonstration 01:17:10 - The calming effects of inversions 01:19:00 - Wrap-up and how to contact Jeff and Jennifer 👉 Connect with Jeff Smith: Website: www.theretirementsmith.com Phone: 540-371-9777 👉 Connect with Jennifer Scherer: Website: www.fburgfitness.com Phone: 540-479-1877 The views and experiences shared in this podcast are our personal opinions and lived experiences. Nothing shared is intended to defame, identify, or harm any individual. This platform exists to educate, empower, and encourage personal growth. Listeners are encouraged to reflect on their own experiences and seek professional guidance if needed.