Interest rates may not be coming down anytime soon—and that changes how smart investors should approach 2026. In this Finance Friday edition of Wolf’s Coffee Chat, we unpack what falling inflation, rising consumer spending, and banks lifting fixed rates really mean for borrowers this year. You’ll hear why waiting for rate cuts could hold you back, how to set realistic financial goals in the current market, and practical strategies to get ahead despite higher rates. From cracking into your first property, leveraging equity, accelerating home loan repayments, and building an investment portfolio without being driven purely by “cheap rates,” this episode focuses on what you can control. If you want clarity, confidence, and momentum in your financial strategy for 2026, this conversation will help you take the next step with intention.