Dave Ramsey Just Confirmed What I’ve Been Saying for Weeks

When Dave Ramsey is telling buyers to look alive, you know you’ve got a crazy window of opportunity. I will say, I told you this weeeeeeks ago, but now that Dave agrees – I’ve your attention. This applies to all buyers, from the Gen Z freshies to move up buyers and especially to investors. We’re going to talk about the specific opportunity for all three today. 

Who is Dave Ramsey? 

He’s one of those old white dudes I usually harp on – not being old, some of my favorite people in this business have aged so well. And not for being white, because racism is so 1800. I hard on this old white dude for giving super outdated advice but continuing to have influence because…? He’s well known for misleading the masses by telling them not to buy a home until they can afford to put 20% down and finance it on a 15-year term. Nonsense but let’s not waste time here – the point is, he’s old fashioned and conservative and even he thinks now is a magical time for buyers. His exact words were “If you’ve been waiting for the right time to buy or sell a home, this could be it. The market’s shifting and you can use that to your advantage.” 

Do you think he’s been reading my blog? Because those words are literally an exact quote from yours truly. 

Let’s dive into our buyer groups. 

Against the odds, Gen Z is breaking into the housing market. 

We’ve actually seen a fair amount of press on this in 2025. While the National Association of Realtors did report that buyers aged 18-25 make up only 3% of homebuyers this year, there are more recent stats that show a much more hopeful – or I should say strategic – outlook. Bank of America shared piece with some interesting data. They found that 22% of Gen Z homeowners bought with a sibling. I think that’s brilliant, partner up with someone reliable (even if you aren’t related) to sign a mortgage instead of a lease. I recommend having a cohabitation agreement drawn up by an attorney, so everything is clear on each person’s investment, and you have outlined exit strategies from the very beginning. 

BofA also reported that 21% of Gen Z prospective buyers are planning to use a family loan for a down payment in 2025. As the lender, I would love it if they called that a family gift but that beside the point. We know boomers have money. Why not watch your grandchildren run around their new backyard, instead of making your kids wait until you’re dead to get their inheritance?  

An Investopedia report stated that Gen Z buyers are targeting affordable markets because they are viewing homeownership as a long term, value driven goal. I couldn’t agree more with my little brothers and sisters. But I need you to know, now is the time to look alive. 

Move Up (or Down) Buyers

The golden handcuffs have officially been unlocked. You’ve been more attached to your interest rate than your partner for the last 3-4 years and it’s not a good look. But you said to yourself when interest rates hit 5% - you’ll make a move. Well my friend, your time to shine has come and if you act quickly – you might be able to find the right place before your competition wakes up and drives up the prices of all the real estate you’ve been eyeing. 

Real Estate Investors 

Now this is the point in the blog where I want you to take a sip of cold water, actually…throw it on your face if you need to and sit up straight. Shoulders back. These next few weeks are your final sprint to go into contract if you need to close before the end of the year. Why would you need to hustle and do that? There are many reasons investors need to purchase before year-end, the most obvious of which is tax purposes. I personally was in this boat. I do a cost segregation study on one of my rental properties every year to help mitigate my tax liability. Well I’ve done them on all my properties so now each year, I need to purchase another investment, so I have new property to accelerate the depreciation on. 

Now I know a lot my referral partners are watching this and starting to feel heat where the hairs on the back of their neck are standing up. WHO DID SHE BUY A HOUSE WITH?! 

Listen, here’s my stance on realtors for my personal investments and I want you to hear me with an open mind because I’m so scared to hurt the feelings of my referral partners that I literally built a bedroom and bathroom on to my house to avoid having to choose a realtor to help me buy a new one. I’m trapped in a house that no longer fits my family’s needs because if I try to move I will inevitably piss off some of my most loyal referral sources because I have to choose just one and then out of spite the others will stop doing business with me and I won’t be able to afford my new mortgage. It’s honestly an incredibly stressful situation but I digress… 

I needed to buy something in 2025, so I mentioned it to several realtors. One of them brought me a great off market deal that we closed on in September. (P.S. You can do the same in 2026, because I’ll have to buy one next year too.) I know there are many investors like me out there. Here’s the thing - investors are procrastinators but at this moment, they’ve got laser focus to identify a deal. You also have sellers out there who need to offload before December 31^st. So it’s truly a magical time. 

Future is Female 

Tickets go on sale on Thursday, October 30^th but if you’d like to sponsor a table, you can lock that down right now. The tables are $600 and secure eight seats. Individual tickets are $97 each. Every single dollar goes directly to The Women and Children’s Center. The event is on Tuesday, November 18 in Reno from 2-6pm. 

This event is open to everyone and a great opportunity for you to reach out to your clients about something that doesn’t involve a commission check for you.  

Lastly, Mortgage and Mimosas is this Thursday and it’s going to be absolutely, insanely impactful when it comes to helping you make more money. If you didn’t secure a spot, you can get on the waitlist by emailing teamshivani@allwestern.com. This one is just for realtors. 

Happy Friday my friends!