Welcome back to Market Mondays In this insightful clip, Troy Millings sits down with Matt Garland—better known as MG the Mortgage Guy—to unpack the biggest trends, myths, and strategies shaping the 2026 real estate landscape.

MG the Mortgage Guy drops gems you won’t hear anywhere else about home ownership, interest rates, economic shifts, and how anyone—regardless of starting point—can build generational wealth through smart real estate moves. From debunking the internet “housing crash” rumors to revealing why now is one of the best times to buy, MG gives his unfiltered, expert perspective after 23 years in the mortgage industry.

Highlights in this clip:
- Why a housing crash isn’t coming (and who benefits from these rumors)
- The truth about interest rates, government policies, and what buyers can expect heading into 2026 and 2027
- Game-changing down payment assistance programs, ADU options, and how new loan rules can help buyers qualify in expensive cities
- The power of group buying, family compounds, and multi-generational living to get on the property ladder
- Controversial advice about renting vs. buying your own home (and why it’s not “either/or” for Black and Brown communities seeking wealth)
- Why listening to real estate “gurus” could cost you your shot at generational wealth

Plus, Troy and MG discuss the critical mindset shifts, planning strategies, and simple hacks to thrive—whether you’re a first-time buyer or looking to scale up your real estate investments. MG addresses common mistakes high income earners and entrepreneurs make, and why a solid “mortgage plan” is your secret weapon.

Ready to turn knowledge into action? Hit play and take notes, because this clip might change how you approach real estate forever.

Don’t forget to like, comment, and subscribe for more unfiltered convos and wealth-building wisdom!

**#RealEstate2026 #HomebuyingTips #MortgageAdvice #BlackOutPodcast #MGMortgageGuy #TroyMillings #GenerationalWealth #FinancialLiteracy #InterestRates #InvestFest #EarnYourLeisure #HousingMarket #ADU #DownPaymentAssistance #GroupBuying #FamilyCompound #BlackWealth #EconomicEmpowerment #SmartMoneyMoves**

Welcome back to Market Mondays In this insightful clip, Troy Millings sits down with Matt Garland&mdash;better known as MG the Mortgage Guy&mdash;to unpack the biggest trends, myths, and strategies shaping the 2026 real estate landscape.
MG the Mortgage Guy drops gems you won&rsquo;t hear anywhere else about home ownership, interest rates, economic shifts, and how anyone&mdash;regardless of starting point&mdash;can build generational wealth through smart real estate moves. From debunking the internet &ldquo;housing crash&rdquo; rumors to revealing why now is one of the best times to buy, MG gives his unfiltered, expert perspective after 23 years in the mortgage industry.
Highlights in this clip: - Why a housing crash isn&rsquo;t coming (and who benefits from these rumors) - The truth about interest rates, government policies, and what buyers can expect heading into 2026 and 2027 - Game-changing down payment assistance programs, ADU options, and how new loan rules can help buyers qualify in expensive cities - The power of group buying, family compounds, and multi-generational living to get on the property ladder - Controversial advice about renting vs. buying your own home (and why it&rsquo;s not &ldquo;either/or&rdquo; for Black and Brown communities seeking wealth) - Why listening to real estate &ldquo;gurus&rdquo; could cost you your shot at generational wealth
Plus, Troy and MG discuss the critical mindset shifts, planning strategies, and simple hacks to thrive&mdash;whether you&rsquo;re a first-time buyer or looking to scale up your real estate investments. MG addresses common mistakes high income earners and entrepreneurs make, and why a solid &ldquo;mortgage plan&rdquo; is your secret weapon.
Ready to turn knowledge into action? Hit play and take notes, because this clip might change how you approach real estate forever.
Don&rsquo;t forget to like, comment, and subscribe for more unfiltered convos and wealth-building wisdom!
**#RealEstate2026 #HomebuyingTips #MortgageAdvice #BlackOutPodcast #MGMortgageGuy #TroyMillings #GenerationalWealth #FinancialLiteracy #InterestRates #InvestFest #EarnYourLeisure #HousingMarket #ADU #DownPaymentAssistance #GroupBuying #FamilyCompound #BlackWealth #EconomicEmpowerment #SmartMoneyMoves**

Welcome to The Earn Your Leisure Podcast. Rashad Bilal and Troy Millings will be your host. Earn Your Leisure will be giving you behind the scenes financial views into the entertainment and sports industries as well as highlighting back stories of entrepreneurs. We will also be breaking down business models and examining the latest trends in finance. Earn Your Leisure is a college business class mixed with pop culture. We blend the two together for a unique and exciting look into the world of business. Let’s go!! #earnyourleisurepodcast

Earn Your Leisure

How to Buy a Home in 2026 w/ MG The Mortgage Guy

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/aa593d14-bfe3-4d57-a8ee-b3d9011cbddf/transcript

In this Market Mondays clip, join Rashad Bilal, Ian Dunlap, and Troy Millings as they break down the outlook for gold, silver, and other precious metals heading into 2026. The trio dives deep into why gold and silver are hitting historic highs, forecasting where prices could peak, and what investors need to watch out for in these turbulent times.

Ian analyzes the connection between precious metals, economic threats, and historic moments such as the pre-Covid era, the European debt crisis, and the 2008 crash. He projects that in a worst-case scenario, gold could reach $5,480 an ounce, with silver potentially soaring to $153 or even $1,054. The discussion examines how economic instability, geopolitical tension, and uncertain leadership continue to drive investors to safer assets.

Troy points out that major banks and analysts, like J.P. Morgan and HSBC, have gold targets of $5,000 an ounce by Q4 of 2026, emphasizing that supply chain issues, instability, and a weakening dollar are fueling these bullish predictions. He recalls Robert Kiyosaki's early advocacy for silver and notes how commodities often thrive during times of global uncertainty.

Rashad provides context on the U.S. national debt’s rapid growth and its impact on dollar value, highlighting how increased government spending under recent administrations contributes to the ongoing bull market for stores of value like gold, silver, and even Bitcoin. He relays insight from Mike Novogratz, who forecasts a gold price of $10,000 if spending continues at its current pace.

Together, the Market Mondays team discusses the fading confidence in American economic leadership and traditional finance, how corporate profits are consolidating into a handful of companies, and why market highs aren’t telling the full story about the broader economy. They also touch on the potential for Bitcoin and other digital assets as additional stores of value, and tease upcoming conversations around platinum, copper, and rare earth elements.

**WHAT YOU’LL LEARN IN THIS CLIP:**  
- Expert predictions for gold and silver prices in 2026  
- The connections between economic crises, government debt, and precious metals  
- Analyst expectations from J.P. Morgan, HSBC, Morgan Stanley and more  
- Impacts of geopolitical turmoil and the weakening U.S. dollar  
- Why investors are turning to gold, silver, Bitcoin, and other commodities  
- Insights about the current state of big tech and S&P 500 performance  
- A peek at platinum, copper, and rare earth metals investment trends

Stay ahead of the market and understand how macroeconomic pressures and political events shape your investing strategy. Don’t miss this Market Mondays clip if you’re serious about wealth preservation and opportunity in uncertain times.

**Subscribe for more market insights and wealth-building strategies!**  
#Gold #Silver #Investing #MarketMondays #PreciousMetals #2026Forecast #Bitcoin #Stocks #Economy #Finance #WealthBuilding

In this Market Mondays clip, join Rashad Bilal, Ian Dunlap, and Troy Millings as they break down the outlook for gold, silver, and other precious metals heading into 2026. The trio dives deep into why gold and silver are hitting historic highs, forecasting where prices could peak, and what investors need to watch out for in these turbulent times.
Ian analyzes the connection between precious metals, economic threats, and historic moments such as the pre-Covid era, the European debt crisis, and the 2008 crash. He projects that in a worst-case scenario, gold could reach $5,480 an ounce, with silver potentially soaring to $153 or even $1,054. The discussion examines how economic instability, geopolitical tension, and uncertain leadership continue to drive investors to safer assets.
Troy points out that major banks and analysts, like J.P. Morgan and HSBC, have gold targets of $5,000 an ounce by Q4 of 2026, emphasizing that supply chain issues, instability, and a weakening dollar are fueling these bullish predictions. He recalls Robert Kiyosaki's early advocacy for silver and notes how commodities often thrive during times of global uncertainty.
Rashad provides context on the U.S. national debt&rsquo;s rapid growth and its impact on dollar value, highlighting how increased government spending under recent administrations contributes to the ongoing bull market for stores of value like gold, silver, and even Bitcoin. He relays insight from Mike Novogratz, who forecasts a gold price of $10,000 if spending continues at its current pace.
Together, the Market Mondays team discusses the fading confidence in American economic leadership and traditional finance, how corporate profits are consolidating into a handful of companies, and why market highs aren&rsquo;t telling the full story about the broader economy. They also touch on the potential for Bitcoin and other digital assets as additional stores of value, and tease upcoming conversations around platinum, copper, and rare earth elements.
**WHAT YOU&rsquo;LL LEARN IN THIS CLIP:** &nbsp; - Expert predictions for gold and silver prices in 2026 &nbsp; - The connections between economic crises, government debt, and precious metals &nbsp; - Analyst expectations from J.P. Morgan, HSBC, Morgan Stanley and more &nbsp; - Impacts of geopolitical turmoil and the weakening U.S. dollar &nbsp; - Why investors are turning to gold, silver, Bitcoin, and other commodities &nbsp; - Insights about the current state of big tech and S&amp;P 500 performance &nbsp; - A peek at platinum, copper, and rare earth metals investment trends
Stay ahead of the market and understand how macroeconomic pressures and political events shape your investing strategy. Don&rsquo;t miss this Market Mondays clip if you&rsquo;re serious about wealth preservation and opportunity in uncertain times.
**Subscribe for more market insights and wealth-building strategies!** &nbsp; #Gold #Silver #Investing #MarketMondays #PreciousMetals #2026Forecast #Bitcoin #Stocks #Economy #Finance #WealthBuilding

Where Will Gold & Silver Peak in 2026?

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/56a8863e-c182-4bf6-b384-b3d8010d04cb/transcript

In this candid Market Mondays clip, Rashad Bilal, Troy Millings, and Ian Dunlap dive into how their investing beliefs have evolved, sharing real-life shifts in perspective that can help every investor sharpen their game. Troy Millings kicks off by explaining why he’s had a change of heart about stocks priced under $25—especially in changing political and economic environments. While he was once wary of these "cheaper" stocks, Troy now sees their potential for major short-term gains, emphasizing that swing trades (rather than long holds) may be the best strategy in certain market climates. Ian Dunlap gets honest about his long-held conviction that Disney could dethrone Netflix as the top streaming giant. Drawing on years of data, updates on Disney’s streaming and ESPN efforts, and a comparison to the S&P’s performance, Ian reveals why he no longer sees Disney as a challenger to Netflix’s crown and questions whether Disney should have even entered the streaming wars. Rashad Bilal provides a valuable lesson for new and experienced investors alike, unpacking the popular advice to "invest in what you use and know." Instead, Rashad suggests going a step further: invest in companies the world *needs*—not just the ones you personally love. Whether it's Apple, semiconductor giants, or companies essential to healthcare, Rashad highlights why focusing on necessity over personal preference can lead to stronger investing outcomes. Together, Rashad, Troy, and Ian bring humor, honesty, and practical wisdom—showing that the best strategies often come from re-examining old beliefs and staying open to new ideas. *Don’t miss out on these key insights:*
Reconsidering undervalued stocks in unique market conditions
The realities behind Disney’s streaming business and legacy
Why loving a company isn’t enough—and what to look for instead
A practical approach to building a resilient, smart portfolio

If you appreciate real talk about money, mindsets, and markets, hit like, subscribe, and let us know in the comments: What investing belief have you changed your mind on? #MarketMondays#Investing#StockMarket#Disney#Netflix#PersonalFinance#InvestmentStrategy#Stocks#FinancialFreedom#TechStocks#MarketTrends#MoneyTalks#FinanceClip --- *Stay tuned for more discussions, unfiltered opinions, and the tools to grow your wealth with Rashad, Troy, and Ian.*

In this candid Market Mondays clip, Rashad Bilal, Troy Millings, and Ian Dunlap dive into how their investing beliefs have evolved, sharing real-life shifts in perspective that can help every investor sharpen their game. Troy Millings kicks off by explaining why he&rsquo;s had a change of heart about stocks priced under $25&mdash;especially in changing political and economic environments. While he was once wary of these "cheaper" stocks, Troy now sees their potential for major short-term gains, emphasizing that swing trades (rather than long holds) may be the best strategy in certain market climates. Ian Dunlap gets honest about his long-held conviction that Disney could dethrone Netflix as the top streaming giant. Drawing on years of data, updates on Disney&rsquo;s streaming and ESPN efforts, and a comparison to the S&amp;P&rsquo;s performance, Ian reveals why he no longer sees Disney as a challenger to Netflix&rsquo;s crown and questions whether Disney should have even entered the streaming wars. Rashad Bilal provides a valuable lesson for new and experienced investors alike, unpacking the popular advice to "invest in what you use and know." Instead, Rashad suggests going a step further: invest in companies the world *needs*&mdash;not just the ones you personally love. Whether it's Apple, semiconductor giants, or companies essential to healthcare, Rashad highlights why focusing on necessity over personal preference can lead to stronger investing outcomes. Together, Rashad, Troy, and Ian bring humor, honesty, and practical wisdom&mdash;showing that the best strategies often come from re-examining old beliefs and staying open to new ideas. *Don&rsquo;t miss out on these key insights:*
<ul dir="ltr">
<li>Reconsidering undervalued stocks in unique market conditions</li>
<li>The realities behind Disney&rsquo;s streaming business and legacy</li>
<li>Why loving a company isn&rsquo;t enough&mdash;and what to look for instead</li>
<li>A practical approach to building a resilient, smart portfolio</li>
</ul>
If you appreciate real talk about money, mindsets, and markets, hit like, subscribe, and let us know in the comments: What investing belief have you changed your mind on? <a href="https://www.youtube.com/hashtag/marketmondays">#MarketMondays</a> <a href="https://www.youtube.com/hashtag/investing">#Investing</a> <a href="https://www.youtube.com/hashtag/stockmarket">#StockMarket</a> <a href="https://www.youtube.com/hashtag/disney">#Disney</a> <a href="https://www.youtube.com/hashtag/netflix">#Netflix</a> <a href="https://www.youtube.com/hashtag/personalfinance">#PersonalFinance</a> <a href="https://www.youtube.com/hashtag/investmentstrategy">#InvestmentStrategy</a> <a href="https://www.youtube.com/hashtag/stocks">#Stocks</a> <a href="https://www.youtube.com/hashtag/financialfreedom">#FinancialFreedom</a> <a href="https://www.youtube.com/hashtag/techstocks">#TechStocks</a> <a href="https://www.youtube.com/hashtag/markettrends">#MarketTrends</a> <a href="https://www.youtube.com/hashtag/moneytalks">#MoneyTalks</a> <a href="https://www.youtube.com/hashtag/financeclip">#FinanceClip</a> --- *Stay tuned for more discussions, unfiltered opinions, and the tools to grow your wealth with Rashad, Troy, and Ian.*

Investing Beliefs We Changed Our Minds On

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/dad09883-2e45-4f5a-9e31-b3d601458643/transcript

In this insightful clip from Market Mondays, Rashad Bilal, Ian Dunlap, and Troy Millings dive deep into the future of software companies in the rapidly evolving AI era. As artificial intelligence transforms every industry, which tech titans are set to thrive—and who is at risk of falling behind? Ian Dunlap highlights "AI indestructible" companies, naming SAP, Intuit, and ADP as strong contenders, while noting that well-known names like Duolingo and Adobe may face challenges. The panel debates the obvious winners—like Microsoft, with its Copilot integration and innovation through Azure—and discuss sleeper picks such as ServiceNow, lauded for its forward-thinking leadership and connectivity solutions. The discussion shifts to the race for an "agentic AI stack": an AI platform that can handle personal tasks like answering all your emails hands-free. Rashad Bilal and Ian Dunlap weigh in on whether Google, Apple, Microsoft, or Tesla will be first, with Google considered a front-runner thanks to its deep AI roots and integration with essential services like email and calendar. However, Rashad argues Apple’s dominance in vertical integration (managing texts, music, calendar, and email on a device most Americans use) gives it an edge—if it can catch up in AI investments. The clip doesn’t shy away from tough criticism of Apple’s leadership, with Rashad questioning Tim Cook's strategy and pointing out that Apple was offered the same deal that made Microsoft an AI leader—and turned it down. While Apple products remain indispensable and its ecosystem robust, signs of underinvestment in AI are causing market cap slippage and stirring calls for leadership change. Comparisons are drawn to companies that failed to keep up with innovation in the past—like BlackBerry and Intel—serving as a cautionary tale for Apple if it doesn’t shake things up. The hosts discuss what Apple should do next, from innovating through major acquisitions to fostering new executive leadership capable of driving AI progress. The debate closes with a reflection on whether being top of the market is enough—or if Apple, like in sports, needs new leadership to set a winning culture. Are Tim Cook’s days numbered, and is internal succession already in motion? Don’t miss this candid, thought-provoking conversation on how AI is reshaping the tech landscape for giants like Apple, Google, Microsoft, Amazon, Meta, and more. *Hashtags:* #AIEra#TechStocks#MarketMondays#Apple#Google#Microsoft#Innovation#Investing#TimCook#AIInvesting#TechTalk#SoftwareStocks#FutureOfAI#ServiceNow#SAP#Intuit#Amazon#Meta

In this insightful clip from Market Mondays, Rashad Bilal, Ian Dunlap, and Troy Millings dive deep into the future of software companies in the rapidly evolving AI era. As artificial intelligence transforms every industry, which tech titans are set to thrive&mdash;and who is at risk of falling behind? Ian Dunlap highlights "AI indestructible" companies, naming SAP, Intuit, and ADP as strong contenders, while noting that well-known names like Duolingo and Adobe may face challenges. The panel debates the obvious winners&mdash;like Microsoft, with its Copilot integration and innovation through Azure&mdash;and discuss sleeper picks such as ServiceNow, lauded for its forward-thinking leadership and connectivity solutions. The discussion shifts to the race for an "agentic AI stack": an AI platform that can handle personal tasks like answering all your emails hands-free. Rashad Bilal and Ian Dunlap weigh in on whether Google, Apple, Microsoft, or Tesla will be first, with Google considered a front-runner thanks to its deep AI roots and integration with essential services like email and calendar. However, Rashad argues Apple&rsquo;s dominance in vertical integration (managing texts, music, calendar, and email on a device most Americans use) gives it an edge&mdash;if it can catch up in AI investments. The clip doesn&rsquo;t shy away from tough criticism of Apple&rsquo;s leadership, with Rashad questioning Tim Cook's strategy and pointing out that Apple was offered the same deal that made Microsoft an AI leader&mdash;and turned it down. While Apple products remain indispensable and its ecosystem robust, signs of underinvestment in AI are causing market cap slippage and stirring calls for leadership change. Comparisons are drawn to companies that failed to keep up with innovation in the past&mdash;like BlackBerry and Intel&mdash;serving as a cautionary tale for Apple if it doesn&rsquo;t shake things up. The hosts discuss what Apple should do next, from innovating through major acquisitions to fostering new executive leadership capable of driving AI progress. The debate closes with a reflection on whether being top of the market is enough&mdash;or if Apple, like in sports, needs new leadership to set a winning culture. Are Tim Cook&rsquo;s days numbered, and is internal succession already in motion? Don&rsquo;t miss this candid, thought-provoking conversation on how AI is reshaping the tech landscape for giants like Apple, Google, Microsoft, Amazon, Meta, and more. *Hashtags:* <a href="https://www.youtube.com/hashtag/aiera">#AIEra</a> <a href="https://www.youtube.com/hashtag/techstocks">#TechStocks</a> <a href="https://www.youtube.com/hashtag/marketmondays">#MarketMondays</a> <a href="https://www.youtube.com/hashtag/apple">#Apple</a> <a href="https://www.youtube.com/hashtag/google">#Google</a> <a href="https://www.youtube.com/hashtag/microsoft">#Microsoft</a> <a href="https://www.youtube.com/hashtag/innovation">#Innovation</a> <a href="https://www.youtube.com/hashtag/investing">#Investing</a> <a href="https://www.youtube.com/hashtag/timcook">#TimCook</a> <a href="https://www.youtube.com/hashtag/aiinvesting">#AIInvesting</a> <a href="https://www.youtube.com/hashtag/techtalk">#TechTalk</a> <a href="https://www.youtube.com/hashtag/softwarestocks">#SoftwareStocks</a> <a href="https://www.youtube.com/hashtag/futureofai">#FutureOfAI</a> <a href="https://www.youtube.com/hashtag/servicenow">#ServiceNow</a> <a href="https://www.youtube.com/hashtag/sap">#SAP</a> <a href="https://www.youtube.com/hashtag/intuit">#Intuit</a> <a href="https://www.youtube.com/hashtag/amazon">#Amazon</a> <a href="https://www.youtube.com/hashtag/meta">#Meta</a>

Who Will Win the AI Race? Apple, Google, Microsoft and More

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/c34a8948-0519-4ce9-a74d-b3d50103ed1c/transcript

How to Buy a Home in 2026 w/ MG The Mortgage Guy

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