140 - The 4-Step "Wealth Wheel" Every Homebuyer Needs W/ Zac Hayes

In this deep-dive episode of The TMA Connection, Tim Markland welcomes back 4-time guest and preferred lender Zac Hayes to discuss his major move to Envoy Mortgage and what today's buyers must understand to navigate 2026's housing market.

Zac breaks down the heavy hidden cost of "waiting for interest rates to drop"—explaining why sidelined buyers face exploding home prices and fierce bidding wars the moment rates decrease. He unveils the 4-part "Wealth Wheel" financial framework (from maxing retirement matches to maintaining emergency reserves), details why 15-year and 30-year rates behave similarly when the yield curve flattens, and demystifies the real mechanics connecting the 10-Year Treasury yield to everyday mortgage rates. Plus, Zac shares how daily discipline and "Brick Theory" drive long-term success in both fitness and business.

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