John-Mark Young

Mortgage rates are back above 7%, a level not sustained in nearly 25 years, and the ripple effects reach well beyond homebuyers. The 'lock-in' effect is keeping existing homeowners in place, existing home sales continue to slide, and refinancing has dropped to multi-year lows. Yet home prices remain near record highs, propping up the wealth effect that has kept consumer spending resilient. Here's what higher-for-longer rates could mean for households, the housing market, and the broader economy.

Why "Bluespring"? Because every spring is fed by a source — a hidden body of water that determines everything about what flows out. The same is true of financial advice. Every recommendation you'll ever receive rises from some worldview, whether it's named or not. Ours is named: the Word of God, with its 2,300+ verses on money, wealth, and stewardship. As Whitaker-Myers becomes Bluespring, the name changes — but the aquifer feeding our advice never will. Come see what's beneath the spring.

Every time the S&P 500 hits a record, investors wonder how their own accounts measure up. But the S&P 500 covers only two of Dave Ramsey's four categories — Growth and Growth & Income — leaving out Aggressive Growth and International entirely. Comparing four categories to two isn't a scorecard; it's a recipe for frustration. Here's what's happening beneath the headlines in small caps, value stocks, and international markets, and why owning all four still matters.