The dust is settling, and Donald J. Trump is once again on his way to the White House. For the first time since 2004, a Republican has captured the popular vote – a clear mandate from the American public for a return to conservative principles, economic strength, and policies they believe will stabilize and restore American ideologies. As of this writing, Republicans will now also control the House and Senate, giving Trump a rare opportunity to drive major change.
The Kamala Harris loss was not just a colossal political failure; it was a blatant confirmation of a cultural failure and dissatisfaction with the progressive ideology that the Democrats have been pushing for years. Americans were tired of what they saw as impractical policies, political manipulation, and an overall deterioration of American values.
This election was as much about rejecting “business as usual” as it was about embracing a leader who vowed to tackle some of the country’s toughest issues head-on. Trump’s campaign hit core issues: inflation, jobs, border security, crime, and a stable global role for the U.S. With a coalition of top talent – including figures like Elon Musk, RFK Jr., Vivek Ramaswamy, and Tulsi Gabbard, and JD Vance to name a few – Trump brought together a mix of expertise and fresh ideas that, if leveraged well, could drive meaningful change. With their passion and purpose, the administration has a real potential to tackle these pressing matters. Will Trump follow through on his commitments and promises to them? Time will tell.
Another question is, will President Trump’s policies impact Federal Reserve policy? This article was written before the Thursday FOMC meeting, where I predict that the Fed will cut rates by 25 basis points. The question becomes, what will happen at the December meeting and beyond? Will the Fed rethink its future projected rate cuts? This is crucial to help tap into affordable mortgage financing and lending of any kind. Trump has already expressed his desire to be more influential in Fed policy – which is not current policy.
For business owners, cheaper borrowing could encourage expansion, though they should be mindful of labor market changes. Immigration restrictions may limit the availability of low-cost labor, pushing up wages in some sectors. This environment offers an opportunity for those looking to invest, but planning for price vacillations – especially within some sectors – is prudent.
Speaking of which, how has the market reacted thus far? As election results came in, markets responded aggressively. Stocks surged over 1,000 points, treasuries sold off over 15bps, and Bitcoin spiked to record highs as investors anticipated inflationary but growth-oriented policies. Trump’s proposed tax cuts, infrastructure spending, and potential import tariffs signal a pro-business environment that could spur American manufacturing but may also increase the cost of imported goods. His policies, especially on tariffs and immigration, could lead to wage increases in some sectors but may also affect the availability of low-cost labor. Again, time will tell.
Trump’s victory signals a decisive turn toward helping the middle class, and his policies are likely to impact everyday Americans significantly. For individuals, the key takeaway is preparation: keep a flexible financial plan, monitor market opportunities, and be mindful about shifts in prices (consumer, housing, big ticket, etc.) With thoughtful decisions, Americans can adapt and make the most of the opportunities that may arise over the next four years.
Along those lines, I believe Trump’s election was strongly influenced by the brilliant alliance he built. To me, more than anything, this demonstrates the power of surrounding oneself with experienced and knowledgeable people. This lesson holds true for all: whether managing a household, a business, investments – or a Country – leaning on experienced advisors and professionals will always yield better results.
Would you rather, if running for president, raise funds through small donations from millions of grassroots supporters or rely on a smaller number of mega-donors for quicker, large-scale funding? Please email or message me to let me know your choice! Please let me know if you have a good “Would you rather” question, and we will highlight your submission.
Shmuel Shayowitz (NMLS#19871) is a respected Real Estate & Finance Executive, Writer, Speaker, Coach, and Advisor. As the President and Chief Lending Officer of Approved Funding, a leading national mortgage banker and direct lender, Shmuel has facilitated over $3 billion of mortgages over the past two decades. Shmuel’s expertise spans various licenses and certifications, including specialized mortgage underwriter, licensed real estate agent, and accredited coach. His market insights and experience are highly sought after in the real estate, finance, and coaching industries. In addition, Shmuel is a seasoned real estate investor and property manager, facilitating thousands of rentals nationwide. Shmuel can be reached at www.approvedfunding.com/shmuel.
