Power Your Own Boat: 5 Smart Financial Moves for Uncertain Times

If you’ve been feeling uneasy about what’s going on in the markets, interest rates, or the economy in general—you’re not alone. There’s a lot of noise right now, and more chaos is likely in the weeks ahead.

But here’s the truth: we can’t control the storm—but we can control how we sail through it.

In my 20+ years as a mortgage broker, I’ve seen markets rise, fall, and twist in unexpected ways.

What I’ve learned is this: those who focus on what they can control come through stronger. That’s why I wanted to share some insight from The Next Age of Uncertainty by Stephen Poloz—a book that couldn’t be more timely.

Think of your finances like a sailboat. You control the sails, not the wind. Here's how you can adjust your sails to stay steady through uncertain times:

1. Lock in Stability Where You Can.

If you’re thinking about mortgage rates, now’s the time to consider whether locking into a fixed rate might give you peace of mind. Variable rates can be tempting—but with volatility ahead, certainty can help you sleep better.

2. Keep Your Load Light.

Avoid taking on extra debt if you can. The heavier the load, the harder it is to steer when rates shift. Now’s the time to travel light

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3. Big Purchases? Pause and Plan.

Before you commit to that renovation or big buy, ask: can this wait? Or is there a smarter way to finance it? Let’s talk about the best options for your situation.

4. Have Cash in Your Lifeboat.

A healthy buffer isn’t just for emergencies—it’s for opportunity, too. Keep enough cash on hand to ride out any waves.

5. Focus on Your Own Course.

There’s a lot you can’t control—but you can take charge of your personal financial path. Everyone’s journey is different, and your decisions should reflect your goals, not just the headlines.

The Bottom Line:

We’re heading into a period where being aware, flexible, and prepared will make all the difference. I’m here to help you power your own boat, with solid advice and real solutions.

If you’re wondering about your mortgage options, upcoming renewals, or how to make the smartest moves right now—let’s have a conversation. A quick check-in can save you a lot of stress later.