A MESSAGE FROM LIBERTAS GROUP
Harris Real Estate Daily
By Tim & Julie Harris · December 8, 2025
⛅ Good morning, {{first_name| real estate agents}}!
Click the video below to watch and listen to Tim and Julie discuss this in detail. 👇
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🧭 Track & Tame Your Money (Steps 1–3)
1️⃣ Face the Numbers — Know Your Financial Baseline
You can’t improve what you refuse to measure.
🔍 Calculate your net worth (assets minus liabilities)
📒 Track all accounts: checking, savings, loans, subscriptions
📱 Use https://MonarchMoney.com to see everything in one dashboard
👉 Agent Tip: Treat your finances the same way you treat a market analysis—data brings clarity.
🗺️ Extra Resource: Download your Real Estate Treasure Map at https://PremierCoaching.com.
2️⃣ Create a Realistic, Simple Budget
Budgeting isn’t punishment—it’s permission.
Use the 50/30/20 rule:
50% needs
30% wants
20% savings & debt payoff
Eliminate unused subscriptions and track one month of spending to get a reality check.
👫 Couples Tip: Give each person a no-judgment monthly “fun fund.”
📘 Use your Treasure Map to turn your budget from a spreadsheet into a wealth-building plan.
3️⃣ Automate What You Can — Eliminate Decision Fatigue
Automation = discipline without willpower.
Auto-pay bills
Auto-deposit savings
Auto-invest monthly
Auto-set aside taxes
👉 Agent Tip: Divide each commission check:
20% taxes • 20% savings • 60% operations
🏡 Mortgage Power Move: Automate extra principal.
Extra Monthly — Years Saved — Interest Saved
$500 — ~6 yrs — ~$121K
$1,000 — ~10 yrs — ~$198K
🛡️ Protect & Strengthen Your Financial Health (Steps 4–6)
4️⃣ Build a Real Emergency Fund
This is your safety net when the market slows or life surprises you.
Save 3–6 months of expenses
Keep it in a separate high-yield savings
Start small—$50–$100/week
👉 Agent Tip: This removes panic and lets you make smart business decisions.
5️⃣ Use Credit to Your Advantage
Good credit = lower rates = more wealth.
Pay on time
Keep utilization under 30%
Don’t close old accounts
Monitor at https://Experian.com
Your credit score is based on:
35% payment history
30% utilization
15% history length
10% credit mix
10% inquiries
Ready to become an EXPIRED Listing Agent? As promised, here is the discount link for the EXPIRED LISTING LEADS: REDX
6️⃣ Cut Wasteful Spending — Without Feeling Deprived
Wealth grows faster when waste shrinks.
Cancel unused subscriptions
Batch errands & meal prep
Avoid emotional “treat yourself” spending
👉 Agent Tip: Put recurring expenses on a business credit card for rewards.
📈 Grow & Multiply Wealth (Steps 7–9)
7️⃣ Master Delayed Gratification
Millionaires don’t “look rich.” They think rich.
Say “not yet” more often
Delay purchases for 24 hours
Treat setbacks as course corrections
👉 Agent Tip: Hold a monthly Wealth Review to stay accountable.
8️⃣ Invest in Real Estate (Strategically)
You sell real estate—now own some.
Analyze buy-and-hold rental properties
Flips only when numbers truly work
Always measure cash flow, ROI, and expenses
👉 Agent Tip: Use your Guaranteed Home Sale Program to find off-market deals and build confidence.
9️⃣ Understand the Power of the S&P 500
The simplest path to wealth is often the most ignored.
S&P 500 averages ~10% annually over 100 years
Use VOO or SPY
Automate monthly contributions
📊 $1,000/month at 10%:
5 yrs: $77K
10 yrs: $200K
20 yrs: $690K
30 yrs: $2M
📊 $5,000/month at 10%:
5 yrs: $386K
10 yrs: $1M
20 yrs: $3.4M
30 yrs: $10.3M
👉 Agent Tip: Time in the market beats timing the market.
🚀 Quick-Start Checklist
✅ Sign up at https://MonarchMoney.com
✅ Download your Treasure Map
✅ Track net worth monthly
✅ Automate: taxes, savings, investing
✅ Schedule a monthly “Wealth Check-In”
✅ Make one extra mortgage payment per year
✅ Start investing in the S&P 500 today
🔚 Conclusion: Master Your Money Like You Master Your Market
You already know how to guide clients through big financial decisions. Now it’s time to apply that same confidence and discipline to your own life.
Wealth doesn’t happen suddenly—it happens daily. Quietly. Consistently.
These habits will make you wealthy long before luck, leads, or low interest rates ever do.
You don’t need the “perfect moment.” You just need to start.
The wealthy agents of tomorrow are building today.
📲 Next Step
Text Tim at 512-758-0206 to apply for Elite Coaching—for agents serious about mastering their money, their business, and their future.
Slots for Q3 are extremely limited.
Join the next mastermind: https://HarrisMasterMind.com
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🤔 The 3 Biggest Challenges Real Estate Agents Face Right Now (December 2025)—And the Exact Plan to Crush Them
It's December 2025, and while the housing market shows glimmers of stabilization—modest rate dips and rising inventory—the grind for agents is real. Affordability woes, cutthroat competition, and skyrocketing costs are squeezing margins and morale.
But here's the good news: You don't have to wait for 2026's "reset." Below, I'll break down each challenge with an exact, actionable 30-day plan to overcome it. Implement these, and you'll end the year strong—positioned to dominate Q1.
Image source: NetSuite
Image source: Plecto
Ready to level up your game with proven strategies from top performers? Join Tim and Julie Harris at their exclusive Mastermind Event—where you'll discover effortless lead generation, proven sales techniques, strategic business planning, and networking with industry leaders.
Register now at harrismastermind.com—the next event is happening soon!
1. Affordability Crunch: Buyers Ghosting Due to High Rates and Prices
Skyrocketing home prices and sticky rates around 6.5% are killing buyer confidence, leading to longer days-on-market and stalled closings. Agents report 40% more showings fizzling out mid-process.
Image source: EconoFact
Image source: FasterCapital
Exact 30-Day Plan to Overcome It:
Days 1-7: Audit Your Pipeline. Review your last 20 leads—categorize by budget sensitivity. Use your CRM to tag and score them. Goal: Identify 5 "warm" prospects who could qualify for buydowns or creative financing.
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A MESSAGE FROM LIBERTAS GROUP
The Most Valuable Move You’ll Ever Make in Real Estate
When you partner with eXp Realty + the Libertas Group, you unlock over $35,000 in tools, coaching, and support — at no cost to you.
Here’s just a glimpse of what’s included:
✅ Premier Coaching with Tim & Julie Harris ($3,000+ value)
✅ Harris Certified Coach Certification ($25,000 value, min. group 300)
✅ Daily Live Coaching Calls + Business Plans, Scripts & Presentations
✅ CRM access (BoldTrail, Cloze, or Lofty)
✅ HyperFast Agent Training ($3,000+ value)
Plus: referral networks, masterminds, concierge onboarding, relocation & luxury divisions, live events, and more.
🔥 All-in, it’s a $35,000+ value — FREE when you join Libertas.
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