The Math Is Improving

[Rob Bergeron]

Mortgage rates were down again this past week. According to Freddie Mac, the national average 30-year fixed mortgage rate is now 6.15%. For context, we were north of 7% in January of last year. That shift isn’t emotional — it’s mechanical. It changes deal math, buyer psychology, and activity.

Locally, inventory is sitting at 3,047 active listings, and it’s trending down. Less supply paired with improving affordability is typically how momentum quietly starts rebuilding.

At the same time, AI-driven data center growth is projected to support up to 1.3 million U.S. jobs by 2032. That translates directly into land demand, power infrastructure, logistics, housing, and services. Real assets. Real work. Real opportunity forming beneath the surface.

And importantly, Kentucky is exceptionally well positioned, with one big responsibility in front of us. To fully capture this opportunity, the state needs to continue diversifying its energy portfolio — blending solar, wind, natural gas, and doubling down on nuclear energy to ensure reliability, scalability, and long-term cost stability. Kentucky’s built-in tax incentives, comparatively low energy costs, ample access to water, and Louisville’s logistics footprint put us in a strong position. Done thoughtfully, this next chapter makes me very confident about Louisville’s and the region’s future moving forward. Thankfully, we’re standing on solid ground.

And then there’s today.

Today, the college football Transfer Portal opens.

For anyone who doesn’t follow the sport closely, this is when players step back after the season and decide whether their current situation still makes sense. Same game. Same rules. New environment. Better fit. Better opportunity. Sometimes more money. Sometimes better coaching. Often just a clearer path forward.

They’re not quitting football.
They’re choosing alignment.

That idea feels relevant right now.

We just turned the page on 2025. If you’re not satisfied with what you’re doing, who you’re doing it with, or why you’re doing it, that’s information — not something to ignore. If your work doesn’t feel like a quest you’re actively pursuing, that friction shows up everywhere else in your life.

We’re not trees. We’re more like birds.
We can move. We can change direction. We can take chances.

Maybe this is the year you change the model.
Maybe you change the room you’re in.
Maybe you tighten your focus.
Maybe you recommit to your health, your learning, or your craft.
Maybe you reread a book that once shifted how you think — and actually act on it this time.

The housing market is stirring. Infrastructure is expanding. Entire industries are being built in real time. This is not a quiet decade.

“Inaction breeds doubt and fear. Action breeds confidence and courage. If you want to conquer fear, do not sit home and think about it. Go out and get busy.”

– Dale Carnegie

Life is short. Momentum favors action. And sometimes the most rational move you can make is deciding that your current situation isn’t the final stop.