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The U.S. just lost its last pristine credit rating. Last Friday, Moody’s Ratings downgraded America’s sovereign credit from Aaa to Aa1, citing political dysfunction and soaring deficits. By Monday morning, markets reacted: Treasury yields jumped, with the 10-year note hitting 4.5% and 30-year bills crossing 5%, while stocks slid and mortgage rates crept back toward 7%. With all three major rating firms now in agreement, the U.S. is now a solid 3.9 GPA student.

In this issue:

⚠️ Downgrade Dilemma — Moody’s cut DOES have an impact.

🛠️ Lease at Your Own Risk — Why generic leases can cost you big.

💵 Money Moves — If your net worth is above $250K, here are seven money strategies you need to know.

America's Credit Rating Downgraded—And Why It's Another Headwind For Housing

By Matt Myre

Moody’s just knocked America’s credit rating down a notch. The move sent Treasury yields soaring and helped drag mortgage rates back toward 7%. Stocks slipped, bond markets shook, and housing? It’s now staring down yet another headwind.

Yes, Your Lease Agreement Might Be a Major Liability

By Garrett Brown

When a pipe burst in his rental, this landlord assumed the tenant would cover the damage. But his lease said otherwise—and it cost him thousands. The mistake? Relying on a generic lease that left out key protections. If you haven’t updated yours in a while, you might be making the same risky bet.

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Money Moves to Make Once You Hit a $250K Net Worth

By G. Brian Davis

Your financial playbook needs an upgrade once you cross $250K. What worked in your hustle days won’t cut it anymore. These seven moves will help you level up.

🤝 Meet the new CEO of BiggerPockets

💵 Why getting into real estate for cash flow is wrong

🚗 Should I pay off my car loan or house hack?

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*This is a paid advertisement for Pacaso’s Regulation A offering. Please read the offering circular at invest.pacaso.com. Reserving a ticker symbol is not a guarantee that the company will go public. Listing on the NASDAQ is subject to approvals. Under Regulation A+, a company has the ability to change its share price by up to 20%, without requalifying the offering with the SEC.