{"podcast":{"title":"Financial Survival Network","slug":"financial-survival-network-848654","podcast_index_feed_id":848654,"rss_url":"https://www.spreaker.com/show/3244966/episodes/feed","website_url":"https://www.spreaker.com/podcast/financial-survival-network--3244966","image_url":"https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/06031a3df6f8b8ff9c1f1a33d49d1a3f.jpg","author":"Kerry Lutz","episode_count":1000,"summary":"A show about how to thrive in the New Economy. It's All About What's Next!","last_synced_at":"2026-06-17T02:17:39.854552+00:00","page_url":"https://stenobird.com/podcast/financial-survival-network-848654"},"episode":{"title":"The Lock-In Economy - Jason Hartman - #6370","slug":"the-lock-in-economy-jason-hartman-6370","published_at":"2026-02-13T13:00:00+00:00","page_url":"https://stenobird.com/podcast/financial-survival-network-848654/the-lock-in-economy-jason-hartman-6370","show_page_url":"https://stenobird.com/podcast/financial-survival-network-848654","url":"https://www.spreaker.com/episode/the-lock-in-economy-jason-hartman-6370--70035070","audio_url":"https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/70035070/jason_hartman_12_feb_26.mp3","summary":"Mortgage rates tripled. The crash never came. In this Episode Kerry Lutz and Jason Hartman break down why U.S. housing didn't collapse when borrowing costs exploded. Nearly 25% of homeowners hold mortgages at or below 3%. About 65% are at 4% or less. That \"lock-in effect\" crushed supply and froze mobility. Fewer than 800,000 homes are listed nationwide — under 0.6% of America's 140 million housing units. Owners won't give up cheap debt. Inventory stays tight. Hartman believes this imbalance could persist into 2032–2033. Scarcity and utility continue driving prices — even after the rate shock. The conversation then shifts to immigration and rental housing. Hartman argues most undocumented migrants occupy lower-tier rentals, meaning enforcement shifts would likely hit C-class properties first. They also discuss Sun Belt migration trends and investor tools like PropertyTracker and Empowered Investor for sourcing income-producing properties. If you've been waiting for a housing crash, Kerry and Jason explain why it hasn't happened — and what could finally change the equation. Find Jason here: https://www.jasonhartman.com Find Kerry here : https://khlfsn.substack.com and here: https://inflation.cafe Kerry's New Book \"The Armstrong Economic Code: The 5 Truths Investors Must Never Forget\" is out now on Amazon! Get your copy here: https://a.co/d/bvYbZOz \"The World According to Martin Armstrong – Conversations with the Master Forecaster\" is a #1 Best Seller on Amazon. . Get your copy here: https://amzn.to/4kuC5p5","meta_description":"Mortgage rates tripled. The crash never came. In this Episode Kerry Lutz and Jason Hartman break down why U.S. housing didn't collapse when borrowing cost…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1497,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/financial-survival-network-848654/episodes/the-lock-in-economy-jason-hartman-6370/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/financial-survival-network-848654/the-lock-in-economy-jason-hartman-6370.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}