Hello there.

Hundreds of investing and finance newsletters hit my (and maybe your) inbox every week. This is the best of the best of policy from the past week. Every Wednesday, we’ll wrap up finance, and every Friday, we’ll take on tech.

This week, we’ve got…

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Thanksgiving weekend brought a strange mix of vibes: record Black Friday sales, cheap gas, and a White House victory lap. Kevin Hassett called the spending surge “a sign of something stronger to come,” brushing off tariff and inflation worries. Data backs that up, with online sales up 10% and in-store sales up 4% as Americans spent like this whole year never happened.

Still, the optimism hides cracks. Retail sales growth has slowed to 0.2% a month, unemployment is creeping up, and lower-income households are falling behind. The top third of earners are driving the spending, while everyone else is just trying to keep up with grocery bills. Gas prices under $3 a gallon help, but less pain at the pump isn’t enough to offset higher rents and tariffs.

Markets are watching one thing now: who Trump picks to run the Fed. Bessent says a new chair could be named before Christmas. If it is a rate-cutter like Kevin Hassett, we could see a holiday stocking stuffer in rate-sensitive sectors like housing and small caps. It’s worth adding to the wishlist, at least.

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Cold winter winds are chilling the housing market again. Nearly 85,000 sellers pulled their listings in September, the fastest retreat in eight years. Nearly 70% of homes sat unsold for 60 days or more, and 15% of delisted homes were at risk of selling at a loss. Buyers are scarce, sellers are stubborn, and affordability is shot.

Politicians are catching on (or at least, polling data is clueing them in): Housing costs are now the second-biggest affordability concern after groceries, especially among Gen Z and Hispanic voters. President Trump has floated 50-year mortgages, but those just feel like a long-term debt trap… Still, if they get people into homes, they may see actual use if they’re actually launched. And that would likely mean even higher home prices.

This gridlock means opportunity for the builders and property managers who can survive the squeeze. Homebuilder ETFs could benefit if supply loosens, while REITs with strong balance sheets might scoop up distressed properties. The housing market isn’t dead, it’s just waiting for the Fed’s next move. Winter is coming.

Elected officials have had a tremendous amount of success in the market recently.

I want to keep you updated on what they’re trading and when so you can leverage that intel as you plan out your own portfolio.

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Remember to always DYOR.

That’s all for today. Write us and let us know your thoughts on the market, the newsletter, or the weather—we’d just love to hear from you.

Till next time,
— Brandon and Blake with Invested Inc.