'Is this all bad debt or good debt?'

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"I hope that if we start our measurements now, perhaps we can get ahead of the curve and identify any potential problems before they become serious," Wing says.

The average 30-year fixed mortgage rate is around 5.98% to 5.99% this week, Freddie Mac said Thursday. The percentage is down sharply from 6.8% to 6.9% a year ago and from peaks near 8% in late 2023, per The Wall Street Journal. On a typical loan, that rate drop can cut monthly payments by hundreds of dollars for home buyers.

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然而,残酷的商业现实给长期主义的压力是巨大的。

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