Every January, people set big goals around money, housing, and life changes, but motivation alone isn’t enough. This post breaks down why timing, structure, and the right guidance matter more than willpower, and how thoughtful planning leads to better financial outcomes.

Home doesn’t look the way it used to — and that’s something to celebrate. This Thanksgiving, Liana Pomeroy reflects on how today’s families are redefining what home means, from co-buying to blended households, and how Pomeroy Lending proudly supports every version of the American Dream.

Yes, you can start building wealth in real estate even if you’re low on cash. Some of the most powerful strategies begin with your own home and require little or no money out of pocket. From zero-down VA loans to FHA and conventional househacking, gift funds, and partnerships, there are creative ways to buy your first property affordably. Your first home could also be your first investment. Let’s make your money work smarter.

Flipping houses can be a smart way to build wealth, especially in today’s soft market. With more inventory, motivated sellers, and less competition, savvy investors can find profitable deals. The key? Buy smart, stick to the 70% Rule, budget with discipline, and always have a backup plan. From first-time flippers to seasoned pros, the right financing and strategy can turn your next project into serious equity.