Lilani Wealth Management

07/17/2026

A bipartisan housing bill is drawing attention for its potential impact on home prices and housing supply.

The 21st Century ROAD to Housing Act would aim to boost housing availability by reducing certain construction barriers, encouraging zoning reforms, supporting factory-built homes, and creating incentives for localities that increase housing supply.

It would also restrict large institutional investors from buying additional existing single-family homes once they exceed certain ownership limits.

Housing affordability has become a major challenge in many communities. One reason is that the U.S. has built fewer homes than needed for years, helping push prices and rents higher.

Experts say the bill could help support new construction over time, especially for townhomes, multifamily housing, and smaller condo buildings.

However, any impact on prices would likely take time, and the legislation was still awaiting final action after a scheduled signing ceremony was canceled.

For buyers, sellers, and homeowners, the broader takeaway is that housing affordability often depends on more than mortgage rates. Supply, construction costs, local rules, investor activity, and policy decisions can all shape the market.


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The 21st Century ROAD to Housing Act, which has rare bipartisan support, would make it harder for major investors to hoard homes.

07/16/2026

Seeing a national park doesn’t need to start with a long road trip or a hike! Thanks to the National Parks website, you can visit one on your lunch break! Check out this link for a virtual tour!

Got a bit of downtime? Take a trip to a national park from wherever you are! Many national park sites across the country offer digital tours and…

07/15/2026

A new supercomputer in China has taken the top spot as the world’s fastest publicly ranked system.

The LineShine computer, located in Shenzhen, debuted at No. 1 on the latest TOP500 ranking. It achieved 2.198 exaflops, meaning it can perform more than 2 quintillion calculations per second.

This marks the first time since 2017 that a Chinese supercomputer has topped the list.

Supercomputers matter because they can support advanced research, climate modeling, national security work, energy analysis, medicine, engineering, and artificial intelligence development.

LineShine is also notable for running entirely on conventional computer chips rather than the graphics processors often used for AI workloads.

The ranking offers a snapshot of how countries continue to compete in computing power, technological infrastructure, energy use, and innovation.


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A supercomputer in China now outranks its U.S. counterparts as the world’s most powerful, marking the first time since 2017 that a Chinese computer has topped a list sometimes viewed as a measure of a nation’s technological prowess

07/14/2026

Some federal student loan borrowers may soon qualify for a larger interest rate discount by enrolling in automatic payments.

The U.S. Department of Education announced that eligible borrowers who sign up for autopay can receive a 1-percentage-point reduction in their interest rate. The temporary discount is expected to last through June 30, 2028.

Borrowers already enrolled in autopay are expected to receive the discount automatically. Others must enroll by Sept. 30, 2026, to qualify.

Not every loan is eligible. The discount applies to certain federal Direct Loans, including Direct Subsidized, Direct Unsubsidized, Direct PLUS, and Direct Consolidation Loans. Private student loans and FFEL loans are not included.

Borrowers must also have loans in good standing, and the loans generally must have been disbursed on or after July 1, 2012.

For borrowers managing student loan payments, even a temporary rate discount may be worth reviewing as part of their broader monthly cash flow.


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To qualify for the U.S. Department of Education's new interest rate discount on student loans, borrowers must meet several requirements. Here's what to know.

07/13/2026

We all have goals and dreams and things we’d like to pursue. But how can your financial professional be of any help if they don’t know what they are?

07/10/2026

This month's chart tracks the Rolex resale market alongside the S&P 500. When the consumers start pulling back on luxury purchases, it can be a signal. What signals are you watching right now?

07/09/2026

Need help planning your version of an “All-American road trip”? This travel blog is here to help! From which parks go to, to which vehicles to take, all your questions are sure to be answered after reading this.

North America Off the Grid How to Plan Your US National Parks Road Trip | USA A US National Parks trip is kind of a right of passage for anyone who loves the outdoors. Sleeping in barren deserts. Going off-trail to explore strange rock formations weathered over millions of years. Wading through knee...

07/08/2026

Trump Accounts opened on July 4. A few questions are worth considering:

➡️ Our baby is 18 months old. Do we qualify for the $1,000?

Yes. Every U.S. citizen baby born since January 1, 2025, qualifies for a one-time $1,000 federal contribution.

➡️ Is there an income maximum?

No. Eligibility is based on the child's citizenship and birth date, not family income.

➡️ Our child is 7. Did we miss it?

Not entirely. Any U.S. citizen under 18 can have an account opened. The federal $1,000 payment applies only to children born in 2025 through 2028, but everything else still applies.

➡️ Can grandparents contribute?

Yes. Up to $5,000 per year combined across parents, grandparents, family, and the child themselves.

➡️ What is the catch?

State tax conformity varies; California, for example, does not currently conform.

Whether to contribute, how much, and how to coordinate it with what you already have are all worth talking through. Our team is here for that.

07/07/2026

There are so many reasons to create a will this month, but here are three big ones to consider:

Direct Your Property: Creating a will tells the courts how you want your property distributed. Without a will, state laws will determine how your estate is divided, which may not align with your intentions.

Provide instructions to the probate court: A will can help manage the probate process, providing instructions to the court.

Designate Guardianship for Minor Children: If you have minor children, a will allows you to appoint a guardian to care for them. This crucial step directs that your children are raised by someone you trust, rather than leaving the decision to the courts.

07/02/2026

Get out of the house and in touch with your adventurous side by taking a trip to the best national parks in the lower 48!

Discover the best national parks in the USA to visit in 2023. Take a road trip and discover Joshua Tree, Great Smokie cabin rentals and more.