Supply and Demand with Adam Nadler
Sep 16, 2026 · 54 min · 11 segments
Benny Gendelman is a financial advisor and friend of the podcast. We get into rent versus buy when the S&P has been compounding at nine to eleven percent, why only four percent of stock pickers beat…
Who's the beneficiary? Should something happen? Is it your family or is it the bank, right? It's the bank or it's the mortgage lender.
So sure, yeah, maybe you don't have to worry about the mortgage, but wouldn't it almost make more sense that your family gets that money to decide what to do with? rather than the bank.
Because you could always sell the property and then the market pays for that mortgage.
It gives the family more flexibility, gives them a higher payout, more value and more flexibility.
And to your point as well, you're paying the same premium through the duration of the mortgage while that value declines.
When I first got my, my first mortgage, I paid into that mortgage insurance for, I want to say almost a year before I realized, Hey, I got my, I have my, now I have my own life insurance policy that I don't need to pay into this mortgage insurance anymore.
But to answer your question, okay, we're in this great opportunistic time right now.
In fact, I just had a client who I've been working with last year and a half now.
And he went through pretty much that exact same situation where his investments have been doing extremely well.
We're looking at almost, I think, if not 20% returns on average year over year.
And it raises some question marks with the cost of living and everything else going as it is.
How is the market still performing so well? Almost double digits every single year, right? But we take advantage of these opportunities.
Who's the beneficiary? Should something happen? Is it your family or is it the bank, right? It's the bank or it's the mortgage lender.
So sure, yeah, maybe you don't have to worry about the mortgage, but wouldn't it almost make more sense that your family gets that money to decide what to do with? rather than the bank.
Because you could always sell the property and then the market pays for that mortgage.
It gives the family more flexibility, gives them a higher payout, more value and more flexibility.
And to your point as well, you're paying the same premium through the duration of the mortgage while that value declines.
When I first got my, my first mortgage, I paid into that mortgage insurance for, I want to say almost a year before I realized, Hey, I got my, I have my, now I have my own life insurance policy that I don't need to pay into this mortgage insurance anymore.
But to answer your question, okay, we're in this great opportunistic time right now.
In fact, I just had a client who I've been working with last year and a half now.
And he went through pretty much that exact same situation where his investments have been doing extremely well.
We're looking at almost, I think, if not 20% returns on average year over year.
And it raises some question marks with the cost of living and everything else going as it is.
How is the market still performing so well? Almost double digits every single year, right? But we take advantage of these opportunities.
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