Stop Acting Like You Close At Five

We bounce from parenting war stories to the mortgage market, then land on the real question: what makes a human professional valuable when AI can spit out answers instantly. We talk mortgage rates in the mid-sixes, the Fed, and how agents and lenders stay relevant by being available, fast, and genuinely helpful.
• childhood discipline memories and how different kids react to consequences 
• busy family schedules and how time pressure shapes decisions 
• inflation realities like $5+ gas and what it signals emotionally 
• mortgage rates around 6.3% to 6.5% and what buyers are weighing now 
• Fed leadership change and why rate cuts are not simple 
• AI in the home buying process for comparing rates, affordability, and scenarios 
• AI tools in lending for guidelines, marketing, and future underwriting automation 
• practical real estate tools like seller net sheets and rental data packets 
• why “I don’t answer after 5” is a losing business model 
• tech nostalgia and the shift from living moments to recording them 
sign up, subscribe for Venture with Joe and Cody. We have a live stream that goes on every Thursday night as well. So go to Facebook and YouTube if you want to hear us live. But like and subscribe, give us a review, and let us know how we’re doing.

Transcript

Mood Check And Cold Open

SPEAKER_01 0:00

Hello, welcome everyone to Venture with Joe and Cody. I am Joe. That is Cody over there. Hello.

SPEAKER_00 0:06

What's up?

SPEAKER_01 0:07

Yes, I'm not in a great mood. So we're gonna see how this goes. Cody knows this. He's already been pre-warned. Uh but I've been abused already. I know. I'm tired though. I'm sorry. I don't mean to hurt you. It's just that I'm tired. It's okay.

SPEAKER_00 0:21

I was abused as a child, so I'm used to it.

SPEAKER_01 0:24

Well, we we lived in Yamhill Carleton. That was like normal, you know? So uh I just over stereotyped an entire two communities, so it's probably this is not going well. So sorry for people in Yam Hill Carlton that is not true. Um yeah, I wasn't actually abused. My parents never did either.

SPEAKER_00 0:40

I was very spoiled.

SPEAKER_01 0:41

My mom did chase me around with a spoon a couple times. She may deny it, but you know, like a wooden spoon out of the drawer. Oh yeah. We had a paddle.

SPEAKER_00 0:49

We had a paddle with designated drawer.

SPEAKER_01 0:52

Yeah, I deserved it. Did they ever shake the drawer to like just like a warning, like a warning show?

SPEAKER_00 0:57

I I knew because I'd be in my room like waiting, and then I'd hear the drawer close, and I'm like, oh no, it's happening. I guess what I did was bad enough.

SPEAKER_01 1:08

Because we had like you know,

Childhood Discipline And Parenting Reality

SPEAKER_01 1:10

big family, and we'd get the door sh the drawer shake, you know, and we're like, oh yeah, spoon's coming out. Like, this is your final warning. Dude, I would, yeah, I I was such a terror. Like, I'd run around the house, my mom chasing me around, like trying to spank my bottom with a spoon. I love it. I deserved it all. I deserved it all. Right. And my mom, honestly, that was not a regular occurrence. It was when it was the worst of the worst cases, you know, like when I was really bad. It wasn't like my mom just had a spoon in her hand beaten, beaten everyone. She, if she heard this podcast, she probably had would isn't listening to this podcast. But if she heard it, she'd be honest, be like, do not talk about that as if I did something better. Yeah, exactly. She did not. Yes.

SPEAKER_00 1:48

Yeah, it was like three times in your life. Come on, I know.

SPEAKER_01 1:51

I know, and I deserved it. Like, honestly, anything they would have done to me, I remember I deserved it. So I'm not even complaining.

SPEAKER_00 1:58

So you know, it's funny because I I remember I remember when I started being more of a problem child. I was never I didn't ever feel like I was a problem child at home. It was outside of home, and that wasn't until like middle school age. But I do remember the uh like spankings and everything as a as a young kid, and it's funny because I look back and I'm like, I couldn't tell you one single thing that I did or didn't do that that promoted those spankings, but then you have your own kids and you're like sometimes it's just a matter of like you're not listening and you continue to not listen, and eventually there becomes a consequence.

SPEAKER_01 2:34

So I know, I know. And some kids, like I, you know, obviously I don't need the we don't need the hate mail for people that are anti, you know, spanking, whatever, but it was like I needed it. Like I did too, you know, people like oh time out for you and sit in the corner. Is like my family is like redhead Scottish, like it's not that's not gonna work. Not gonna work, like it was it that it's not gonna work. And you know what's funny is I never I spanked Cora once in my life, but Cora is insane, is currently, was currently, was historically, right? She she would, and I'd tell her, like, she'd get so crazy, she'd go in the room. Like this, she's probably four or five, and she'd kill me if she knew I was saying this in a public forum. But she'd be like completely naked, screaming in a rocking chair, like horror movie rocking chair screaming because she's upset about something. It was she was she was absolutely nuts. Like that's great. And I remember spanking her, and I was like, I'll never do that again. It wasn't like anything abusive, it was just a spanking. But I was like, I just yeah, it wasn't my style, but I was like, Rory, perfect kid. Like, hey, you disappointed us. He was more mad that he disappointed us than anything. Sure. Still is to this day that just crushed that disappointment is more than what he just did. Clara will smile. She smiles when you discipline her. She she doesn't naturally, she's not even doing it to be rude. She just like it's a natural like smile as you get more mad. I'm like, you are crazy. And it's me like she's paying me back for me. Like right.

SPEAKER_00 4:05

I know it. I have the same thing with with our daughter too. So she's five, and I thought, because she's crazy as well. And she, if she was here, she'd tell you the same thing. Um, but I thought that it was just her, and I'm wondering if it's maybe a little bit of a girl thing, too, because there's times where I'm like, I'm not always a very like super serious person. Um, so usually whenever I'm more serious at home, uh, like with the kids, it's kind of like, oh, okay. Yeah, something's wrong. Yeah, this is a different version of that. Same here. And with her, it is like she will do this. She's like trying to trying to contort her face because she knows that she's smiling and she shouldn't be. And I'm like, move your hands away. And she's like, I don't want because she's trying to not smile. And I'm like, you're laughing at me right now while I'm trying to do it. Trying to take you seriously.

SPEAKER_01 4:56

Yeah, trying to take you seriously.

SPEAKER_00 4:58

Oh, such it's so tough. Because then it makes me want to laugh. Because I'm like, I'm trying to be serious with you to get a point across, and you're laughing at me right now. Like I want to be I'm either gonna be more frustrated or you're gonna make me laugh, and then I gotta try to hold back my laugh.

SPEAKER_01 5:13

It sucks for sure. Yeah, each kid a little different. I don't know how we got into this conversation. I don't either. I don't know what's going on.

SPEAKER_00 5:22

Um already punishing or abusing me earlier.

SPEAKER_01 5:28

Well, yes, yes. I'm sorry. I'm sorry. You're already making me feel better, so that's good. Um what's new with uh anything new with family? You guys are all doing the same old, same old right now. You've got a couple more weeks of school, right? Or is when do you guys go? Do you guys go later?

SPEAKER_00 5:44

We go, I want to say it's like middle of June. 18th, somewhere, 12th, 10th. Somewhere in the winter.

SPEAKER_01 5:51

I don't think we had many snow days, so I think we're extending into yeah, we're not extending into anything later.

SPEAKER_00 5:58

Yeah, yeah. No, ours are

Why Every Kid Responds Differently

SPEAKER_00 6:00

ours are wrapping up here. Um we're yeah, I got another two, three weeks left of football and soccer. And uh nice. Yeah, I'm I'm Eli is so he's doing like uh rec soccer right now, and then he's trying out for the select soccer group too. So we've between those multiple practices for each of those teams, plus then Zeke's and like games and we like all that stuff. I was just looking at the calendar earlier this morning just to kind of get a gauge for everything, and it's like the next three weeks, it's every every evening, every weekend. There's there's something.

SPEAKER_01 6:39

Yeah, there's something.

SPEAKER_00 6:41

It's all fun and exciting.

SPEAKER_01 6:42

And you had you have more kids than I do.

SPEAKER_00 6:46

Yeah, you're like we've got that much more busy. Our daughter is, I don't think she like we haven't told her anything about her having the ability to play sports or do things that she wants to do.

SPEAKER_01 6:58

So it's still kind of like third child, you're like, you're you're good. You're you got a great personality.

SPEAKER_00 7:04

Let's just hold out until you ask us. Because we've had people that are like, Are you gonna put her in soccer or do anything? Like, I'm not sure yet. We're just gonna kind of wait and see.

SPEAKER_01 7:12

But I think it's so bad, like it's so bad because it's not fair. It's yes. We didn't say with Cora to an extent. It's like, you're fine, like it's just do rec. Like, she's like, didn't Rory do a club pretty soon? We're like, yeah, it's don't worry about it. Like, I don't know. It's hard to remember back that far.

SPEAKER_00 7:30

Yeah, I don't know that she'll have any interest in in sports stuff. Um, I could see her definitely like she is doing especially when her parents don't encourage it. Like I could see her wanting to do that. She just wasn't into sports, like we just didn't let her happen. I don't know what happened to sports related. She didn't know that there was actually girl sports until she got into high school.

SPEAKER_01 7:49

Yeah, exactly. Then we told her. Right?

SPEAKER_00 7:51

I could see her wanting to do sessions, like yes, right? I could see her wanting to do more of like dance type of stuff. She is a dancer singer. Yeah, that's all. So again, we have not, at least I I haven't, maybe my wife has told her that there are actually like teams or classes or things that you can go to for that kind of stuff. But she's also five, and I feel like you know, she's that's true. She's not even in kindergarten yet. I think we can write it out for another year or so. But yeah, things are things are busy, work's been staying pretty busy, and yeah, and it feels like a couple deals with us going on. Couple deals with you guys, yeah, absolutely. So it's like feels like there's there's just more activity, you know. The the the rate side of it's not cooperating, but no, a lot of that is is tied to the war. Um so it's it's hard to say, it's hard to really know what's gonna be if where we're at right now is just a product of that, because I think it is because we were we were quite a bit lower than this just three months ago. So I think it's just one of those bumps in the road, but everything seems still seems to be kind of just churning along. Um but I did get gas the other day and it was $5.19.

SPEAKER_01 9:07

That's crazy.

SPEAKER_00 9:08

I know, and that was at Costco.

SPEAKER_01 9:10

I have um not to brag, but I have an electric car. And yeah, so I I look at all right now with your gas prices. I'm like, what a bunch of losers. But my but our electricity is probably higher than everyone else. Right. It's gotta be pretty good though. I mean it does feel good. Christina's like talking about gas prices, she's got a regular gas car, and I'm like a loser. Yeah, right. I'm gonna go plug it for free or what it appears to be for free. Yes, exactly. Like because she's like cart bill every year or every month, but um yeah. Well, I know. I I feel like uh I I don't look at price gas prices at all. Um, and so the random times I do, I'm like five dollars high caramba. Like tough. But anyways, um moving on, uh I'm just gonna surprise you with some stuff. I was just looking up stuff that you know, some of the top, well, we are the top podcast for real estate and lending. However, absolutely, there are others. There are others out there, so I okay, I do my research into the others and see who they're talking about. Yeah, um, but yeah, mortgage rates stuck in the mid-sixes. Let me see, as of early May 2026, the average rate for a 30-year fixed mortgage is sitting around 6.3 to 6.5, blah, blah, blah. Um, people are talking about rate strategies, arms versus fixed uh buy downs, um, whether the Fed's gonna move. What's with the Fed, by the way? Um, I don't I don't follow it as much as I should, but is when does the new chairman is there a new chairman? Is there one coming? Like what's the deal with that?

SPEAKER_00 10:49

Yes. Um, I I could be wrong, but I think he got sworn in today. Oh, really? Okay. Yeah.

SPEAKER_01 10:55

I saw a little bit I guess we're this will be posting Friday, so he got sworn two days ago.

SPEAKER_00 11:00

So a couple days ago, yeah. I didn't I didn't read the article, I just saw like a little uh notification on it. But if he didn't, then I know it's like gonna be any time now.

SPEAKER_01 11:10

Okay. Is there any hype behind like him or her doing whatever to fix the rates?

SPEAKER_00 11:16

Yes. That was from what from what I read that there was um

Sports Schedules And Family Logistics

SPEAKER_00 11:20

maybe that he's a little more pro bringing rates down. Okay. Um, but like I read an article this morning that was just talking about how that could be in this current environment that we're in with inflation and the war and everything that's going on, like might be kind of a hard sell to the rest of the Fed members on bringing rates down in this environment. Um, because the article I was reading was like, there's a chance that the Fed or the Fed rates can be going up based on where inflation is at and everything. So I think going into it, there was a lot of excitement around him being the new Fed chairman and having a little bit more of an aggressive stance on on bringing rates down a little bit quicker. Um and I I I did a like a webinar thing, I was part of a webinar, I was an attendee, and he was talking about like the guy's stance on it and how it's um just a little bit more of an active approach rather than reactive approach. Um so I think that there's some excitement on that. I think it's maybe just bad timing of when he's getting in that he couldn't like potentially uh maybe make some changes sooner than later just because it's not really a position to just kind of go, hey, we got all this going on, let's drop rates and yeah, see what happens.

SPEAKER_01 12:38

For sure. He can't just yeah, willy-nilly do that.

SPEAKER_00 12:40

But yeah, and I don't think he really has the power. I don't I don't know enough. Yeah, I think it's he's the the leader of the pack, but then there's everybody else that votes on it. So that makes sense. But yeah, I think it'll be good.

SPEAKER_01 12:53

Okay, okay. Uh what else are they talking about? Uh oh, lending I AI and lending right now. So it's saying more than one in four Americans plan to use AI during their home buying process with top uses, including comparing mortgage rates and lenders, 65% of people said that, estimating how much they can afford, 53%, and simulating payment scenarios, 42%. Um interesting. Yeah, and then it's covering how um loan officers are actually using AI in their own business. Is residential doing anything? Are you uh like guys? Obviously, anyone that's gonna stick around has got to start adapting to this stuff and utilizing it to their advantage. Is residential doing anything and or you doing anything for that?

SPEAKER_00 13:35

Yeah, so we we do have a uh like a system that we use for guidelines to where it is an AI-based one, um, to where we can type in our question and then it's going to pull through just like like normal AI does, and then it hits you with the links. Um, but it's all connected to the the guidelines of FHA and Fannie Mae and Freddie Mac. So it's just a quicker way of us being able to get to those answers. Because sometimes it's like you're looking through hundreds of pages and trying to kind of sift through it. So that's helped with with some of that stuff. I mean, we we definitely use it for for some marketing stuff. Um I know that they're working on not not even so much the company, but just the industry as a whole of ways where AI can help with underwriting certain documents.

SPEAKER_02 14:26

Yeah.

SPEAKER_00 14:27

To where it will, you know, it's gonna have to fit this certain criteria and certain documents, but it will scan through it and it will it will do the work to say here's the number, or yes, this passes, this checks the box. And then the underwriter, I'm assuming it's probably gonna be a a longer test run on that, but then the underwriter is now only needing to verify a few of the items instead of all of them. So it just kind of speeds up the process, which then instead of it taking the underwriter, you know, say a couple hours to get through a file, it might only take them 30 minutes because a lot of the other stuff that's can be easily verified is verified. So that's that's the stuff I'm aware of right now. I mean, like I think all of us as loan officers are using it from a um, you know, idea standpoint, marketing standpoint, um, ways that we can be standing out on AI when people are doing those searches. So for sure. What about that?

SPEAKER_01 15:23

That's interesting. It'll be um uh we use it a lot. Like I use it a lot. We built the programs, I think we've talked about sellers and buyers, uh, resource center, um, bought us or built a seller's net sheet not too long ago that basically like allows sellers, you know, our clients to kind of put in information from their home, their debt, their debt on the home, all that stuff, and pumps out like, hey, here's what you'll profit at the end of if you sold it for X amount with all the commissions and the various things that you might pay. And you can play around with that. But we've used it for uh we just did it at uh for real estate investors that are selling that they, you know, there's a lot of data that we need to know as agents to be able to market the home. Uh the the fourplex, the duplex, the whatever that we're selling. So we have it a super easy, like easy to check list thing for sellers to put in all the the data specifically for rental. Um then what it pop pumps out is a nice PDF form of like, here's the cap rate, here's everything, and we can provide that to buying agents and and different people looking to buy. So yeah, we use it pretty heavily. Like, I think in this industry, um, you know, people can argue with me all you want. I I tell Christina, I was like, I think there's enough people out there that will stay in the industry, like we'll be real estate agents will be fine until we retire. But

Inflation Gas Prices And Market Churn

SPEAKER_01 16:40

I'm curious to know if Cora's age, you know, people coming up will end up needing an agent. I just don't know how that'll look. Like, I think it's easy to say you have to have an agent, you have to have forward facing because we just don't know um what what it would look like without it. But yeah, just like everything else in in the world, uh farming, all this stuff, like when tractors came out, when all that stuff was like, oh you you still you know it's never gonna hit or never gonna I I just I can see a lot of it people, a lot of industry being AI, you know, ran. Like there there might be, you know, and I'm just thinking off the top of my head of like an agent that kind of oversees, you know, a certain amount of transactions, uh, you know, that makes sure that AI is doing it all right, everything's contractually right, double checking to various things. But I just don't know like you know, negotiations, yeah. I don't know. I'm just thinking out loud. So uh right now we're taking advantage of it to make ourselves a um an agency that people can have the easiest time to buy or sell, like have the most resources, the easiest way for a seller and a buyer. We try to find the pain points and try to limit the pain points for every seller and buyer by adopting AI tools and technology to kind of see if we can make this process to where people are like, dude, super easy to do it through yeah, Christina. So that's kind of what we're focused on. And I think there's enough old people, our age, even our age below, that's still gonna use agents. But I'm like, I'm like, I think we can make it to retirement, but I'm not sure what our industry looks like, you know, for the younger generation. So it'll be interesting. And maybe they adapt, and maybe it comes becomes pay structure becomes different, but they still are in the industry doing different things or handling different things. But um, yeah, it'll be it'll be interesting. Um, yeah.

SPEAKER_00 18:30

And I I wonder that too. Yeah, because I've I've thought about that and I see articles every once in a while talking about the you know AI and the mortgage business and taking over some of that stuff too. And uh it's hard to know. I I have been hearing though, too, and I don't have a a source that I'm necessarily could could say that I'm hearing this from, but I have been hearing that some of the younger generations than us actually are wanting more of an in-person type of experience because they are you know, everything has been digital for their their upbringing in their life to where it's like having some of that kind of personal trust touch, everything um that could carry some weight there too. And I also wonder too, you know, buying a house is for the most part the largest purchase that anybody's ever gonna do. Yeah, yeah. Um, and I think that there's uh maybe it'll be different, like you said, in in 15 years, maybe you know, AI will be a part of everything and it's just trusted.

SPEAKER_01 19:30

And I do wonder just at what extent?

SPEAKER_00 19:33

Like Yeah. I wonder at some point where will there be a I'm gonna use AI for 95% of the things that I need the internet to do. But those other couple things, I want to make sure that it's done correctly. I want to have a person, a professional that walks me through this. And it's kind of like I I feel it is kind of like what I've been going through with working on my truck, where it's like I can get so much information from YouTube videos and I can get all this stuff, but there does become a point where I say, I don't really actually know what I'm doing, and now it looks like I'm like I'm in over my head. I I probably should have a professional walk me through this. Um, so I I I don't know. I it's hard to imagine, you know, uh real estate agents and and loan officers completely going away, but it may it may eliminate certain positions and the amount of need for X amount of all of us, but for sure.

SPEAKER_01 20:28

Which gets me into my rant that we talked about on our live stream of like agents have to get, and I'll speak for agents, you can speak for lenders, but you better you better get on the ball with AI because that in this whole like BS about 5 o'clock PM, I don't answer any phone calls or 6 o'clock p.m. on Monday through Friday, and I don't work Saturday, Sunday. I'm like, you're insane and you're not gonna have a job. And don't come complain in the comments that you know you've been working 30 years and you're super successful

Mortgage Rates And The New Fed Chair

SPEAKER_01 20:55

and you've had a five eight to five real estate job because you haven't. So um, but uh and and AI is going like because what's happening now is you're people like us that are if they don't have an agent, you've got to make yourself valuable. You've got to show people that are new in this industry, that are looking into real estate, that they're like, oh, well, my agent can't answer my phone at five o'clock. So I'm just gonna research in chat GPT and I'm gonna research a lot and I'm gonna research perplexity, and they're gonna get a bunch of answers pumped out, right or wrong or indifferent, and you weren't there to correct or to verify or to help them out. And you're just becoming less and less worth any money to people when you are not there to help them out to answer questions, they're gonna find answers. Like people have resources to find answers. So if you want to do your whole eight to five game and you know, so you're gonna see agents lose from AI for sure. Yeah. Um, especially the lazy ones that think they're better than they really are. So uh, anyways, that's my short term thing that I think is gonna happen. Yeah, it's like Joe said angry, angry, tired rant. I think the same thing will argue the point to me if you if you think I'm wrong. Like you know, not you, but anyone that's listening is like, tell me you can be a super successful agent representing clients that are worth a lot of money that want to buy homes worth a lot of money, and you're like, sorry, I don't answer the phone past six, and watch that client go to me who's gonna answer his phone uh past six and go to Cody, who's gonna talk to you on the weekends, like and and get you pre-approved so you can make an offer on a house that just came up. It's just not, it's just to me, that business model I have not seen successful on a long-term basis with agents. And if you if you're there, prove me wrong. Um show me the stats, but I don't think it's there. And as AI comes along, it's you're even gonna become less and less worthwhile. And that's where I think those those people that built their business, the the discount brokers that like, hey, we'll list your home for you know 750 bucks, we'll list it and we'll handle the contract and blah, blah, blah. You know, that they do it on purpose, that they're just getting quantity over quality. AI is taking you over in a second. Like they're gonna take you over in a second because you're worthless, like you don't do anything for anyone. So uh they're just gonna be able to find AI, find out how to put it on Zillow, how to find out how to put it on Google, Facebook Marketplace, whatever it may be, and they're just gonna not pay you because you're worthless. So, anyways.

SPEAKER_00 23:16

Well, and that's the last thing that I want, right? Like, you get some of these people that are like, they don't answer the phone on the weekends or evenings, or they have whatever reason it is. Like, I want I want my clients, whether they're somebody that I don't even have an application for and they're asking me questions, or there's somebody that's under contract, like I want them asking me questions. I don't want them going to the internet to look at everything. Because, like you said, there's gonna be there's gonna be mixed information. If I want to find an answer that lines up with my thought on whatever that question is, I'm gonna find that on there. Yeah, that doesn't mean that it's right, yeah, but there's a lot of bad information out there and there's a lot of good information out there. But like I want to be that trusted resource because I want them to think every time I have a question about a mortgage-related thing, I want to call my loan officer and know that he's gonna answer and he's gonna take care of me because there does become a point where if you're not doing that, then in that person's mind, it's like, well, what would be the difference in me doing this through the internet as opposed to through a person? Like they hardly get back to me. When they do, they just email me. Like, what's what what is the what is the big value here? If I'm constantly in commun communication with them and answering

How AI Is Changing Lending Work

SPEAKER_00 24:30

their questions all the time and walking them through this stuff, I feel like that's where like that's our battle against the robots is yeah, the robots can do certain things for you, but they can't walk you through the emotions of things and explain it in in detail that you understand. I don't know. That's probably gonna be some of the battle down the road is we're we're we're not fighting uh or competing with each other as much as we are competing with with somebody going through uh AI versus a human.

SPEAKER_01 25:01

Yeah, and we're so rough in AI right now that to your point of like AI, and it's I I forget what it's called, but there's a term of basically it agrees with you. You can say, hey, I'm right on this, confirm I'm right. They're like, cool. Or I think this, they're like, Yeah, you are. Um but there's now prompts to basically say play devil's advocate for what I just said and find out my weaknesses because AI does have a tendency to just agree everything with everything you say. So in our side, our on our world, we're just kind of in this wild west of the AI world, and people like you know, obviously, my kids will be savvy in it than we are. Um, we are more than our parents are, but people are dabbling enough in it to be dangerous, and that's I think where you what you're saying is real estate. You can't just sit around and be a worthless, like, you know, post that the people are like, yeah, I spent all night talking to AI because you didn't talk to me. I found all this stuff out, and now you as the agent either need to verify it or correct them through that, and then they're worrying, like, oh, it's are they right? Because they're yeah, dude. AI said this, like they all did this, and this agent's not calling me. So I spent the, you know, I spent all night, you know, trying to find my own answers while this agent is were is sleeping, you know. Um, so anyways, it is just gonna be a weird world, and I think that's where we're in right now. I do think AI will become more and more developed and more and more honey on the mistakes it makes and the things that it does wrong and the things that it does to lead people astray. And as that improves, you know, who knows where our market goes. But right now is a critical time to be a resource that's there that they can talk on the phone with and confirm or deny what they're looking on AI because everyone's looking at it like same Zillow. It's the old school, it's the new school Zillow. It was like, my I just looked at Zillow, my house is worth $750,000 because Zillow says it is. And agents, we've had to do it for years of like, okay, that's a it's a good starting point. Um, it is your zestimate, does say that. However, this is how Zillow works, and this is it can't do what what we can do to kind of narrow down the price. And you can see that you know, zestimates are this far off of what it homes actually sell for. So yeah, it's the same thing with AI. And if you're not if you're the agent that kind of thinks they, you know, I I'm like a doctor. I don't I I get off at five, and people can't people can't can't get a hold of me because I'm so important. I'm like, no, you're not, stop. Yeah, you took a 180-hour course for a couple thousand dollars. Right. So get over yourself. Yeah. Anyways, rant over.

SPEAKER_00 27:32

Yeah, it it'll be interesting for sure to watch it like over the next even just a couple years, but let alone 10, 15 years, because things will I think once that once that age, because I know that we're you know, we're we're there's more millennials buying now, or like demographic wise, than than boomers. So it's like we're we're slowly kind of shifting that a little bit, and then in another 15 years, we're gonna have I don't know, I'm terrible with remembering which generations are which ones, but it's like you have that next one that's gonna be coming up and getting into their their 20s and 30s, and that's gonna be put, you know, they're they're gonna have grown up with with AI, just like we grew up with the internet and our parents didn't, and you had to walk them through like here's how you log in to AOL, and yeah, they're like, This is dumb, I'm not gonna do this. It's the same same thing, but it's gonna be normal for them. But I do wonder though, will that that uh need or want for a actual person to walk me through this because it's such a big deal, and if I don't want to screw something up here, I don't want a computer to screw something up because what if I didn't do it right and I lose my house? Absolutely, yeah. You know, so I I do think that there's there's gonna be a lot of that, but the research side, the how the how to find that person, maybe that part of it changes is over time too.

SPEAKER_01 28:53

I know it'll be interesting because if it does

Agents Versus AI Value And Availability

SPEAKER_01 28:55

hone into the point where, say, Cora's 13, 14, 15, and AI has gotten so streamlined that the confidence is there that maybe even the like not to say the government's the one end all be all, but the government's like, yeah, AI is doing this right, buying homes right, you know, getting loan loans the proper way, it's able to do it legally. We we recognize it as a as a way to get pre-approved, you know. It'll be interesting to see if they're like that. But I do see some kind of uh kids wanting more throwback, you know. I think kids are savvier. I think our generation like grew up like kind of obsessed with the technology because it's like yeah, it's new, it's fresh, and quick. This is so cool what it can do. And now, like Cora's lived with it. She's so I you do maybe see that kids are gonna grow up to want a little more throwback, like classic, yeah, face-to-face interactions. I think we're seeing a pendulum always goes back and forth, and I think that pendulum went to us being a kind of an antisocial society, very tech driven, like phones in our face. I'm wondering if that swings back when people are like, I'm kind of sick of this. There's not good that comes out of this. Right. Um, so I see that sometimes. I'm like, it's just like sometimes nice to do a classic old thing, like go meet with a friend, see him in person. Like I saw you uh on that podcast. I was like, wow, we see each other on a screen all the time. Like every time we see you in person, like right. Uh it's just weird, but yeah, it'll be interesting, man.

SPEAKER_00 30:16

Well, I had this little flashback, took me back to high school days. Um, you remember, I don't know if you remember or not, when Tony Hawk did the 900.

SPEAKER_01 30:24

Yeah, yeah.

SPEAKER_00 30:25

So, like big deal at the time, right? And I watched this little video clip of it, and it was, I want to say it was 1999, and one of the first things that I noticed was everybody in the crowd and all of his friends and everybody, nobody had a phone out.

SPEAKER_01 30:40

I know, crazy.

SPEAKER_00 30:40

And it's so you see everybody like excited and they're super into it, and it's it's like living in that moment, and it happens, and everybody's hugging him and and jumping around, and not a single phone was out. No videos were being taken, it was just the broadcast, and it was just like it it does, it takes you back to that time of like, oh man, it was so it was so different, and like the technology was really cool because we're we're now able to use the internet and stuff, but then it changes so far that now you watch uh a sporting event

Tech Nostalgia And Living Off Phone

SPEAKER_00 31:10

or any anything that happens, and it's like everybody's got their phone out, everybody's recording it, everybody's posting it, and I think I do think that that that is starting to and probably will swing back to like dude, we don't have to have not everything has to be recorded, yeah.

SPEAKER_01 31:25

More of a balanced because I think of that stuff like you know, and I think part of it is maybe getting older, and I don't want to I don't want to just get older just to get older, but I do think that you know there was a it's kind of nice to just like sitting in the doctor's office when you just had to sit there, like and you grabbed a magazine, or you know, like but you look around, just go to any event today or tomorrow, any anything you do, phones are in people's faces, like no one's looking up, no one's looking around, no one's just sitting there. And if they sit there, it's suspicious. Like you're like, what are you doing? Like, who is this terrorist that's like just looking around, not not at their phone? It's just a weird, it's weird. I would love to see it go back a little bit. Like, I love technology, but I just think it's like, yeah, it's I know kind of is sad when you start seeing that stuff that like everyone's in their phone. Uh-huh. No one's looking up at each other, no one's like doing anything. Just kind of weird, anyways.

SPEAKER_00 32:21

I noticed that like just walking by someone, whether it's on the sidewalk or in a building or wherever. And it's hard enough to get people even just to look at you. Like I'll I'll purposefully probably seems kind of weird, but like I'll be looking directly at them, yeah, waiting to say hi or smile or something, and they won't even look up. And I'm like, so weird.

SPEAKER_01 32:41

It's crazy, huh?

SPEAKER_00 32:42

Like nobody even wants to interact with people anymore. And I get it, you know, some days it's not some days it's not your day, but in general, it's like, oh man, everybody's just glued to their phones, and they're just used to not, yeah, used to not interacting with people.

SPEAKER_01 32:55

Yeah. Crazy, crazy. Well, my man, um, our time's up. We're done. Yep. Yep. Um, for those of you that are still with us, uh, sign up, subscribe for Venture with Joe and Cody. Uh, we have a live stream that goes on every Thursday night as well. So go to Facebook and YouTube if you want to hear us live. Um, but yeah, Venture with Joe and Cody, that helps us out a lot. But like and subscribe, give us a review, and uh let us know how we're doing. Um, don't give me a negative review because of my negative attitude, because it affects Cody too. So you don't want to hurt Cody. Right here in my heart. Okay, man. Well, until next week, we will chat with you later. That sounds good. Have a good one. Okay, see you, man. All right, see ya.