6d • General discussion
What happens to your strategy when interest rates move, and you can’t?
Be honest with yourself.
You didn’t change your plan.
You didn’t change your numbers.
You didn’t change your ambition.
But overnight
your margins shrank,
your options narrowed,
and decisions you thought were smart suddenly feel tight.
That’s not a property problem.
That’s not a market problem.
That’s a control problem.
When interest rates move and you can’t, something uncomfortable is exposed:
You don’t own the strategy.
You’re renting it.
And this isn’t just property.
If a rate hike can:
Freeze your next deal
Delay your expansion
Force you to “wait and see”
Make you second-guess growth
Then the same thing applies to any business you’re in.
Because real businesses don’t pause every time the environment shifts.
They adapt. They adjust. They reposition.
But you can’t adapt what you don’t control.
Here’s the part most people miss:
Banks are allowed to change the rules whenever it suits them.
Your responsibility is to build a model that doesn’t collapse when they do.
That’s the quiet difference between:
Operators and speculators
Builders and borrowers
People who survive cycles and people who fear them
The question isn’t “Will rates move again?”
They always do.
The real question is:
When they move next time, will your strategy move with them, or against you?
Because once you see that finance is the strategy, not just the fuel
you stop asking for permission to grow.
And that’s where things start to get interesting.
If this made you uncomfortable, good.
That’s usually the sign you’re standing at the edge of a better way.
Let’s talk.
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What happens to your strategy when interest rates move, and you can’t?
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