🎙 BETTER DECISIONS PODCAST Miami Real Estate 2025: Miami “Bubble” Headlines — What the Data Really Says (with Ana Bozovic) In this episode of Better Decisions, David sits down with Ana Bozovic—founder of Analytics Miami, four-term governor of the Miami Association of Realtors, and a Columbia-trained mathematician— to break down the UBS Bubble Index headlines and reveal the on-the-ground data shaping Miami’s market in 2025. We cover cash vs. debt dynamics, inventory by price point, migration flows, where risk really lives (older condos & micro-bubbles), and how to evaluate neighborhoods and buildings with first-principles metrics instead of clickbait. ⏱️ Episode Chapters 00:00 — Teaser 01:08 — Welcome & guest intro 02:05 — Ana’s credentials & approach (proof-level rigor) 03:12 — UBS report overview & media headlines 05:11 — Contradictions in the report (Pg. 11 vs. methodology) 08:48 — What a “bubble” is: debt, leverage & fast drawdowns 09:45 — Miami is an all-cash market (share by price tier) 10:54 — Wealth & talent migration: the prime driver 16:08 — A better bubble index: debt use + inventory signals 23:24 — Months of inventory by price point (how to read it) 28:36 — Condos: old vs. new, replaceability & risk 33:39 — Tracking high-end sales as a health indicator 40:01 — Three core issues with the UBS index 43:29 — Primary markets (Gables, Grove, Pinecrest, Beach) 44:21 — Urban rentals & short-term rental micro-cycles 52:12 — Older buildings post-Surfside: assessments & HOAs 56:31 — Branding mirage & new-tower micro-bubbles 60:08 — Pipeline saturation & small-unit risk 66:15 — What wealthy end-users actually buy 68:36 — New prime product vs. resale: volumes & PSF 72:25 — Will Miami actually “pop”? What would it take 75:09 — Long-term fundamentals: lifestyle, safety, taxes 79:24 — Neighborhood & building-level data tools 82:05 — Wrap-up & how to make better decisions 🔗 Related Resources Read the full blog article → luxlifemiamiblog.com 👤 About Ana Bozovic Ana Bozovic is the founder of Analytics Miami, a four-term governor of the Miami Association of Realtors, and a Columbia-trained mathematician known for rigorous, long-horizon market reports widely cited by The Wall Street Journal, The Real Deal, and more. 📬 Stay Connected Subscribe for more market analysis and smarter real-estate decisions. Follow David on Instagram → @thedavidsiddonsgroup Explore listings & data tools → luxlifemiamiblog.com Keywords: Miami real estate, Miami housing market, Miami real estate bubble, UBS Bubble Report, Ana Bozovic, Analytics Miami, David Siddons, Better Decisions Podcast, Miami condos, South Florida real estate, Miami property market, Miami housing trends, Miami market analysis, real estate data, housing bubble myths, wealth migration, luxury real estate, Florida real estate, real estate investing, Miami inventory trends, cash buyers, market fundamentals, real estate insights, Miami development, South Florida housing, Miami luxury market, condo market analysis, real estate analytics, economic trends, housing market 2025