Get Ready. The Fed Just Changed EVERYTHING

[@calebhammeryourweekinmoney]

Bundle my budgeting program + investing program for 15% off: calebhammer.com/bundle people who sign up get $100 gifted into investing account

[@remcovanhartevelt588]

I'm almost sad I'm not from the states because of these deals😅.

[@benjaminkell3726]

Dude check your testosterone level your voice shouldn’t be that high

[@andresleon-vargas3603]

Instructions unclear, I've purchased 10k worth of taquitos on credit card

[@Elainaj93]

😂😂

[@rorycolgan]

Niiccceee

[@16bitfingerprint22]

30%?? Step yo game up! Take out a 600% payday loan and buy taquitos

[@LucksacGames]

Finally becoming a savvy consumer

[@kristinasvlogsoflife8175]

Oh what about using a credit card and max it out to get “sweet treats “ it’s sweet treats time ! Hahhaha

[@austinbar]

I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways?

[@jcurdrayeric243]

If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.

[@rogerwheelers4322]

Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.

[@joshbarney114]

This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.

[@FabioOdelega876]

Can you provide instructions on how to contact your advisor? I'm experiencing erosion of my funds due to inflation and looking for a more profitable investment strategy to make better use of them.

[@joshbarney114]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Marisa Michelle Litwinsky’’ for about two years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@stickstig851]

Inflation may have slowed, but everything still cost 25% more. Prices never go down wages never go up.

[@yourdadsotherfamily3530]

25% where tf do you live? For me this is the math in 6 years the price changes consumer goods I needed to buy for my kids grocery wise was in 2016/2018 to now the prices are below 1) $2.25 > to now $4.64 2) $1.08 > to now $3.12 3) $2.64 > to now $5.27 Over 200% increase on all items and then the government and administration have the nerve to bald face lie and say whilst cackling “it’s onlyyyyyyyy 8% you overly dramatic plebs..” FFS the cognitive dissonance to the objectively shared reality is abound!

[@artemartem1134]

BINGO. And don't forget that more expensive product is now 20% smaller AND of inferior quality.

[@yourdadsotherfamily3530]

Exactly consumer goods I needed to buy for my kids grocery wise was in 2016 1) $2.25 > to now $4.64 2) $1.08 > to now $3.12 3) $2.64 > to now $5.27 Over 200% increase on all items and then the government and administration have the nerve to bald face lie and say whilst cackling “it’s onlyyyyyyyy 8% you overly dramatic plebs..” FFS the cognitive dissonance to the objectively shared reality is abound!

[@ChrisofCT]

“Wages never go up” lol ok

[@SunShireFarms]

priced an item at work today original tag was 159, new tag was 224. Nothing is going down in price.

[@KellyJamesMitchell]

When I saw the fed rate cut I immediately said “alright Caleb, where’s the breakdown vid”

[@calebhammeryourweekinmoney]

Heheh

[@PhoenixReborn-v6v]

Everyone is screaming market crash and it's getting me worried. How can I 50% of my 300K cash svings?. I don't want to get burnt out while investing.

[@MARSHMALLOWwhimsy]

I invest in index funds. I realize that, for index funds to work, there has to be some active investors influencing stock prices. The few investors who are smart enough to do that well will beat the market and are justifiably rewarded. I'm not one of them.

[@Damncars456]

if you don't have experience or don't have time to monitor your portfolio, you should consult with a fiduciary to guide you.

[@MakeamericaGreatagain-h7j]

Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.

[@DreamweaverShade-h9p]

Pls how can i meet this advis0r? i want someone to help me invest an Inheritance, i dont want to lose it to inflation

[@MakeamericaGreatagain-h7j]

Melissa Elise Robinson is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@somerandomguy6977]

If the economy grows 3% but you inflate the currency 5% did you really gain.

[@airforcerymer15]

Survey says: NO

[@yourdadsotherfamily3530]

Exactly consumer goods I needed to buy for my kids grocery wise was in 2016 1) $2.25 > to now $4.64 2) $1.08 > to now $3.12 3) $2.64 > to now $5.27 Over 200% increase on all items and then the government and administration have the nerve to bald face lie and say whilst cackling “it’s onlyyyyyyyy 8% you overly dramatic plebs..” FFS the cognitive dissonance to the objectively shared reality is abound!

[@Namasknight]

​@yourdadsotherfamily3530 you are allowed to buy different brands. And if you can't question why there are no competitors.

[@yourdadsotherfamily3530]

⁠@@Namasknight the items I’m talking about are store non-namebrand products cheaper than their competitors in every category I pick. I don’t ever brand shop.. I price shop by oz weight/quality of use to dollar value.

[@crossfitruston3632]

No. You lost 2%

[@MaxwellsAxiom]

Cheap money is never a good thing when the government just borrows uncontrollably at low rates. Further increasing inflation.

[@TomboyCinder]

Your right too bad nobody holds them accountable like they have the IRS imprisons average working people over taxes!

[@coachderrick3736]

This is so stupid. Govt borrowing money reduces money supply, hence, has inflation reducing effects.

[@morganhess4896]

I like this new form of content from your channel, it makes it easier for someone like me to understand how certain policies affect the everyday American

[@espianmashias9565]

Same here👍🏼

[@notnymph9631]

hell yeah

[@Subjugatedhappywife]

underrated comment

[@tryingtowalkthepath683]

Here's another thing with rate cuts, if you have a High Yield Savings account, your rate is about to go down.

[@MileHighMonroe]

Hey wait! NO! 😭

[@nicholasgutierrez9940]

Yeah sadly, but that money should go somewhere else. Diversity in this case, is indeed our strength. Although some HYSA will probably keep it semi-high to keep people in it.

[@modernNeanderthal800]

But not if you have a CD

[@poshko41]

already did.

[@tryingtowalkthepath683]

@@MileHighMonroe Even at its lowest those account pay out more than a standard savings account at a bank.

[@benhiggins1751]

Yet this does nothing for all the heavily overpriced vehicles and houses.

[@supernova743]

It will reduce apr which might make them more affordable. That wont affect the principal but can make the loans more managable.

[@Dracomies]

It makes them a tiny bit cheaper. Hey, any bit helps. What? Would you prefer a rate hike instead? :D

[@Wahbulance]

There's no winning when buying a new car. You ear mark future income towards a vehicle that loses most of its value before you pay it off. It sucks you can't always trust pre-owned sellers, but it's the cheapest way still. One nice thing about older cars is parts are generally more affordable if you need repairs. I daily drive a 40 year old GM car, which isn't for everyone. Plenty of great cars exist that are fine for most people.

[@zacharylewis417]

oh it does. It makes it go higher lol. The housing market is going to make a come back. Buyers are going to jump in and compete on low inventory again... Just waiting on inflation to tick up again in the next 6 months.

[@tywade9558]

​@@supernova743in most markets homes are 40-60% over valued even after 4 years. Some as much as 80%. So basically you are now paying about 5% less for something that is overvalued. This is also on the backs of a softening job market. No jobs no money, still too expensive homes. The natural boom and bust cycle needs to run its course.

[@bigman7856]

This kind of reminds me of the .5 basis point slash in the summer of 2007.

[@yesiamsharon]

😮

[@saleens330]

When GDP isn’t good (or fake) and unemployment is going up…definitely reminds me too….

[@Dragonologist]

Soon banks will be begging for a bailout after betting all their money and bankers pocketing profit. I say no more bailouts. Let it rot.

[@TrevForPresident]

@@saleens330take deficits out of the mtg and it’s already a severe recession

[@ChrisofCT]

Short it then. I’ll see you in January

[@zwatwashdc]

I find this quite depressing. This last massive round of inflation hit us really hard messing with retirement plan very substantially. If groceries housing prices jump up again it is just so depressing. The saddest part is realizing that the system is built for the rich to get richer and everyone else can suck eggs. The people that matter when it comes to political power are the rich - and they love getting richer. Covid made that clear, at least.

[@brad3201]

Can only suck eggs if you can afford them

[@jackieboy1593]

The game has always been this way. If you haven't invested in assets over the past few decades, you deserve to be screwed.

[@TrevForPresident]

@@jackieboy1593there are many reasons why someone wouldn’t invest. Most aren’t aware of our central planners boosting capital at the cost of labor. They just work and live and that should be okay.

[@zwatwashdc]

@@jackieboy1593 I have plenty of assets, thank you very much. I am just not a psychopath like you. I don’t want to live in a country without a middle class. I have lived in many countries with a small number of very rich and a large number of very poor. The rich live in enclaves behind walls and barbed wire. Public spaces are full of garbage and decay. Schooling is such poor quality large segments of the population lack basic problem solving skills. Home invasions, street crime, barrios. This may be where we are headed, unfortunately. I’ll be buying my next assets in a gated community, that is for sure. Middle class neighborhoods don’t stay nice once wealth inequality hits a certain threshold.

[@jackieboy1593]

@@TrevForPresident It should be OK, but it ain't, and hasn't been for most of human history. I don't care about the excuses, it's just something you must learn about and do. People can't plead ignorance when KZbin and libgen exists. Today was an incredible day for the stock market, and if you weren't invested, you missed out big time.

[@GTARogelio1]

I’m going into credit card debt to help the economy. Thanks Caleb for the info!

[@choppa47d69]

Yeah, your variable rate interest rates will go down (credit cards, helocs) but the economy is still bad. Repos on autos is pre Covid levels, BKs are up, delinquencies are skyrocketing. People still cannot afford to live. This helps, but not enough.

[@nebn3355]

When people only make enough to barely scrape by with just the basics for an extended period of time, that's when you get political instability, even if stock market bros are fine.

[@brothscout864]

@@laundrygoddess4your lost

[@MrDev1718]

@@laundrygoddess4that does not apply to most people. Its the necessities like groceries, gas and energy beating us down. Not wild spending

[@TorqueKMA]

​@MrDev1718 And insurance. Idk why more people arnt talking about it. Fixed rate mortgages are increasing to the tune of 20% monthly costs on the coast because insurance companies are telling us it would cost them $500k to rebuild the same house that would have cost $300k 5 years ago. How many people can afford for their FIXED RATE mortgage to randomly jump $500/month in price

[@crossfitruston3632]

@@laundrygoddess4sure they are, but they’re doing so at 25-40% lower levels. Have you bothered to actually look at the statistics on this?

[@jacobpray3765]

Seriously valuable content. Keep up that fabulous work

[@calebhammeryourweekinmoney]

Thanks a ton!

[@SkywalkerPMs]

The money supply is contracting at record pace. Unemployment is rising. The Fed is buying all the debt. Smoke and mirrors rate cut. Recession is here. Buckle up.

[@Joe-ti7qd]

M2 increasing now

[@LtColShingSides]

The thumbnail made me choke on my drink lol

[@calebhammeryourweekinmoney]

Im glad someone appreciates our work of art -Mika 😎

[@brandon9715]

I called this back in February of this year. Fed is doing larger rate cuts than anticipated to prop up the current political party that is in power. Sadly most Americans have goldfish attention spans and will think the last 4 years were good come November.

[@yourdadsotherfamily3530]

Exactly. Cognitive dissonance to the shared objective reality is sickening from my constituents..

[@deeroyel3144]

Wasn't Powell appointed by trump?🤔

[@brandon9715]

@@deeroyel3144he was appointed by Obama. Trump did nominate him to the federal reserve board.

[@deeroyel3144]

@brandon9715 Right. He was nominated to the board by obama, and Trump elevated him to chairman. So, the idea that this was political isn't true. Trump attacked powell on Twitter for not doing what he wanted, and that wasn't politica?l

[@Huntress042202]

Are vlogs ever going to come back to this channel? Absolutely loved watching those between these episodes. Love that you explain these topics in ways that make sense so we can all stay up to date and be informed with our money.

[@loveandjoy810]

Interest rate cuts affect those seeking to acquire more debt through purchasing cars etc. But for those of us who are debt free, my HYSA will definitely go down. I’m not too mad about it. Especially if businesses do better because people are buying again. The stock market will continue to go up and to the right. 👍🏽. That’s good for my portfolio.

[@x1928]

A rate cut? Must be election season.

[@CMarie.]

That's exactly it.

[@RobRIPDG]

Ye good try diddy.

[@Thepippinator2]

The economy is absolutely fucked right now. Anyone that has searched for a job recently could attest, job searching is an absolute disaster. Took me 8 months to find a new job this year.

[@brutuslugo3969]

If unemployment goes down then it will always be hard to get a job . Jobs are filled when unemployment is down.

[@DoNotEatPoo]

You know it's bad when my local Taco Bell closed their doors. They couldn't make a profit with $5 tacos.

[@kathleenramirez2379]

I feel this. Took me just over 2 years between 2021-2023 to find a job

[@nubbyfresh5623]

I will say once again. Just in time for election season...

[@JDMSwervo2001]

@@nubbyfresh5623 federal reserve has no ties to the federal government

[@brandenbailey6384]

This week, in my area, eggs went up 50% and most other grocery items are up 20%. Inflation has not slowed down in the real world.

[@juggernaut6771]

Where are you? You're not the center of the universe. Prices have not gone up like that here.

[@eunhyuekpark6159]

@@juggernaut6771 If you live near bread basket areas of the U.S. prices maybe not that bad. Over here in the Southwest of the U.S our prices reflect what previous poster said. Inflation is out of control.

[@Matthewcrosby26]

The south west is not as bad as your saying lol​@@eunhyuekpark6159

[@shengyang021185]

For real. In columbus, a dozen of eggs at Aldi was 3.79! At Aldis! Wtf!

[@On3PmpW0nd3r]

I’ve heard the chickens went on strike, reflected in the price increases

[@knightman7617]

I had to buy a house in December. I was losing the apartment I had rented for a decade because my landlord wanted to increase the rent more than he could on me. The mortgage rate was 6.75%. This morning, I got an alert that I could refi to a lower rate. It went down to 5%, moving my mortgage payment much closer to to recommended levels. Another percent or so would put me where I need to be.

[@TanManFixes]

nothing wrong with buying real estate. don't feel bad about it. The rule of thumb is 2%. if you can drop 2% then it is worth the refi.

[@pawdre5151]

_Officially Cooked_

[@DapperProf]

Sound great, let's go back to the days of encouraging debt and speculative investments/bubbles, and discouraging saving.

[@Salmoned]

IT HASN'T CAUGHT UP TO PRE-INFL--- oh

[@andypehrson9316]

Great rundown! I think the unemployment data this morning (which powell knew yesterday) clearly shows it should have been a .25 cut.

[@MasterChief7366]

Thanks man, i suck at finance jargon so this stuff helps me get a better idea of the financial world.

[@calebhammeryourweekinmoney]

Of course!

[@marioStortuga]

Just because the market was positive day 1 the real move is usually day 3 or 4 of the market historicaly.

[@RenigadeWarrior1]

Honestly, it's not enough. This doesn't affect the market enough to make things like homes and vehicles affordable again but it's big enough that my savings growth takes a hit. Things are still too expensive and my saving power is reduced.

[@brutuslugo3969]

Did you watch the fucking video?

[@larissagehring287]

I'm 60 days from closing on my forever home so my tunnel vision says slash them down! However the slow decreases leave room to pivot and allow the economy to find a functioning middle.

[@stevenknight6756]

With the debt our country has this all sounds like short term solutions, regardless of what any economists think. Being a part of this economic system feels like a high stakes monopoly game where people are seriously trying to build futures on plastic hotels and chance cards. Can we please end the Federal Reserve and go back to the gold standard, please?

[@nubbyfresh5623]

It's a Band-Aid over a gunshot wound.

[@crossfitruston3632]

If they ended the fed reserve, they would lose power and wealth and they won’t ever give that up!

[@brutuslugo3969]

Regardless of what any economists say? Are you dumb? Gold standard ? Do you believe the earth is flat too

[@TanManFixes]

they ended the gold standard so they could take control...

[@SureBud14]

That rate cut just guaranteed a recession

[@nyslice]

You mean and they’ll be forced to acknowledge we’ve been in one?

[@TheSethOlson]

Yep, idk how the hell they passed this while we continue to inflate… literally just going to make inflation spiral as more people continue to spend like drunken sailors

[@bradywalker5291]

I dispute this. We've been in a recession.

[@supernova743]

Theyre trying to avoid declaring a receasion until after the election. Blame the next guy basically.

[@andypehrson9316]

yep probably

[@nathanrock5424]

Would love to see a video about student loans. Are they affected by rate cuts? Also how is the continued loan forgiveness affecting the economy and how would it affect the economy when the forgiveness ends.

[@spencercurtis86]

Can you do a video on the effects of them changing the CPI to only calculate year over year vs 2 year average

[@SOFIACAULIFLOWER-l3mstudy]

Knowing how potential reforms may impact market growth is critical as the election approaches. Changes to your investment strategy may be required in anticipation of legislative developments, as well as repercussions on sector performance and market movements

[@FreemanJameZ]

In addition, unemployment might rise and the economy could get tougher, but there are still good investment opportunities right now. My 120k portfolio grew by 70% over the last four months by investing in volatile sectors

[@ArchieJohnson5h]

0 How do you go about investing? I'm having difficulties thinking of a plan.

[@FreemanJameZ]

I use market research tools, follow financial news, and talk to my advisor regularly. She helps me stay on track.

[@RhysHuntoffice]

How do one go about an advisor?

[@FreemanJameZ]

June Renae Matthysse. There will definitely be more information about her available if you search for her online

[@diannitaglez3268]

Thank you for all the work you do Caleb!

[@calebhammeryourweekinmoney]

My pleasure!

[@trey1956]

My main concern is the level of savings is incredibly low for a rate cut. Usually, when a rate cut occurs, the rate of savings goes down as consumer spending goes up. It seems like there has to be a demand issue or a consumer credit issue.

[@justinfernandez5525]

I just hope the housing market doesn't go crazy again like 2020 and everyone races to buy a house. Or real estate investments firms don't gobble them up again.

[@calebhammeryourweekinmoney]

Let’s see… going to be an interesting couple years

[@thechieflegofanatic9194]

Hopefully there is some Improvement. My house has been on the market since June and I’ve yet to get a single bid.

[@jeremiahm1413]

Couple reasons it should not happen: 1. Rates are no where near the 0% they were in 2020. Existing home-owners are not going from 2.5% to ~6% anytime soon. 2. All that stimulus money is gone. 3. Housing is WAY more expensive than 2020. 4. All debts (auto, credit, student loan, mortgage) are going up faster. 5. Student loans that had 1 year of forbearance is ending (with 1 year of interest added on). 6. Foreclosure rates are going up. 7. Remote work is slowly being pulled away (Amazon, anyone?). 8. Layoffs are happening in masse more and more. 9. (Situation dependent) In many areas, houses for sale are sitting for 50 to 100+ days. 10. There is growing resentment of large investors buying homes, and people are getting fed up and saying "no" when called. Now, ~18 months from now when rates hit ~3.4% (meaning ~4.4% for common people), that may be when things start gearing back up, and with a target rate of 2.9% in 2026 (~3.9% for us), that's when I would be more concerned. All of this is of course, my opinion, I simply don't think 2020-2021 will repeat itself. This is a totally different situation than last time.

[@WilliamCantera]

They should have raised rates. Just because inflation is lower now, the damage done over the past few years is now permanent

[@atlascormac6273]

7% inflation is a generous number... feels like 18%

[@yourdadsotherfamily3530]

Some items I bought in 2019 now cost 200% more lol Consumer goods I needed to buy for my kids grocery wise was in 2016 1) $2.25 > to now $4.64 2) $1.08 > to now $3.12 3) $2.64 > to now $5.27 Over 200% increase on all items and then the government and administration have the nerve to bald face lie and say whilst cackling “it’s onlyyyyyyyy 8% you overly dramatic plebs..” FFS the cognitive dissonance to the objectively shared reality is abound!

[@cinnabalm]

I’m fairly certain they changed the factors that determine inflation - they are not including energy, food and housing. So yes, when you factor those things inflation is significantly higher!

[@keagan5379]

I haven’t trusted the Fed’s numbers for the last few years. It has felt like they’ve been covering

[@brutuslugo3969]

​@@cinnabalmhow Bout you be 100% certain instead of fairly certain before saying something completely wrong ?

[@TanManFixes]

even 18% would be a low number. Hell, gas alone doubled from 2020. The things that inflated the most are the things that matter: housing, grocery, gas, and insurance. the 7% is bullshit....

[@trevorcolletti3693]

I think everyone should consider the timing of the rate cuts since it’s been 4 years and with a certain American event to occur in November. We’re all being played.

[@JamesS180]

Unemployment is rising and core inflation has significantly abated. It’s true that not cutting rates would have affected the election, in that it would have caused a recession, but it’s the fed’s job to prevent recessions not create them to benefit your favored political party.

[@trevorcolletti3693]

@@JamesS180 so many presumptuous statements there…

[@bradywalker5291]

Rate cuts would benefit the construction industry. Jobs have been slow. I'm struggling to find work. Today is my last day on this job, and I'm not sure what I'm doing for the immediate future - whichbis my main concern. I destroyed my savings trying to survive this bear market. If rates are cut, businesses are more likely to invest in remodels, new spaces, new construction, new businesses will need remodeling, etc. My job market seems to be shrinking more and more these past few years.

[@AlenAbdula]

Intrest change is severe lagging indicator. You situation simply won't improve until year or two from now.

[@yourdadsotherfamily3530]

5 to 6 extra new million workers these last five years probably didn’t help your chances of getting the job renewed either.. especially when for the same wage they pay you. They could probably hire three other dudes who are desperate for it. Because of the market they controlled to be this way. We are moving into the age of indentured servitude. (Edit unless your job requires some sort of specialization certifications or skill training that they don’t offer to layman or entry-level construction workers into the market)

[@bobmanlarrydude]

Our American economy is so healthy and robust it got a rate cut. Wow. Amazing. This exudes confidence

[@BanSocialMedia2025]

As long as food and rent goes down could careless about a new vehicle or house atm!

[@ghostmane2643]

Did you hire Graham's thumbnail guy?

[@calebhammeryourweekinmoney]

yeah, myself

[@notanotheryoutubechannel777]

​@@calebhammeryourweekinmoney Lol

[@Joe-ti7qd]

Ai

[@Idratherbewithmydog]

Can we get a q&a? Like should I refinance my student loans now that rates are lower? What is considered a low rate? Etc.

[@Aging_Casually_Late_Gamer]

None of these rates matter to me when eggs are still $3 from the 99 cents it used to be and my pay has only gone up 25 cents.

[@trilight3597]

And...it will never go down. Prices will never deflate because the government benefits from it. And too much deflation can be more dangerous and is harder to control when they want it to stop. But it would nice.

[@TrevForPresident]

Crazy. Shelter is way up and overall CPI is still 50% higher than their target. They must see some imminent dark clouds.

[@Joe-ti7qd]

Yeah something broke behind the scenes is my feeling.

[@EmilyAllan]

Great content Caleb. Keep it up.

[@GaryTrevino-jp9kc]

Idk what's happening BUT I have started mn my debt free journey! Paid off 4 accounts so far! 💪 Thanks for the kick in the ass caleb! 😳

[@Bossman-pg8kk]

Inflation rates need to be in the negative for a while not just slowwing. The problem is cost of living is still way to far up and need to brought down... if the fed wants a 2% increase year over year and last year was at 7% then we need a rate of -5% for the year to just offset the one years inflation. Thats not including the few years b4 that. Does not matter of business get a rate cut bc the consumer will be the ones tightening their belts.

[@thechieflegofanatic9194]

The Fed and government hate deflation. The hey will do everything they can to prevent it.

[@tonys335]

We do not want deflation, that would cause capital to dry up and the economy will gind to a halt as people horde cash and no one wants to borrow because that cash would be worth more if you just held on, not including the interest payments,a positive inflation rate insures that money seeks productive capital investments, stimulating the economy and leading to job growth, Get out of here with your pseudo economic populist theory that has no applicable value, Im glad you have no say in America’s economy

[@Shaftya_McNasty]

Should I go all in on crypto ?

[@OzzlyOsborne]

Time for further inflation...

[@MakingYummy]

It's stupid to think that if enough people making 50,000 a year lost their job then that would somehow offset infinite money printing that the fed and Government was doing.

[@thejava.witchiswhispering]

Okay, so I'm trying to figure out when grocery costs will go down again

[@ezpzlemonsqueezy90]

Hahahahaha

[@Alltheworldsillz]

Love the thumbnail 😂

[@aaront936]

Money printer goes brrrr. Yay inflation.

[@MrKrabs-nh7bl]

I like to imagine the one guy in 1vsX scenarios. Just sitting there alone. I think I would chuckle

[@sarahdebardeleben1536]

This is a tax on all individuals while wages are still stagnate and we are still trying to make up the 3 yr 20% inflation rate.

[@nerdluvsyttik4evah]

Caleb - buddy - imma need a link to that shirt 🤣

[@CrimsonSp33d]

Cqb and tight spaces seem like a major concern. Ain’t no way this is replacing the m4 universally.

[@GuardianAngle93]

Yeah, that rate of inflation is calculated differently now and is not reflective of true inflation at the current period.

[@johnroberts3824]

The labor market isn't showing signs of softening, it's in the process of shrinking. They've jacked with the employment numbers up the wazoo. I think the rate cut will slow, but won't stop the downward momentum. In a healthy economy a 0.5% rate cut would be a boon, but we don't have a healthy economy right now. In the current business climate, the rate cut is not going to spur companies to suddenly start borrowing a bunch of money and investing it in production & hiring. We'll just have to wait and see. The November election will I think have a major impact on how it all plays out.

[@Xenozillex]

Yes. Agree completely.

[@danielgregg3990]

I've seen some information around an increase in unemployment after rate cuts but who knows. My company just hired like 15 people. Up from 3 in the previous weeks.

[@some_guy441]

Weird how the government....FOR YEARS... have been saying there was nothing they could do to help ease the pain the middle class was going through... yet here we are.....

[@brutuslugo3969]

They can't just do it at any moment , it has to be during the perfect economic position in time . The numbers NOT the feelings of some random dude is what dictates when these cuts happen . Facts over feelings

[@some_guy441]

@@brutuslugo3969 sure

[@RichardThePear]

So . . . You're saying it's time to add to cart?

[@corvettemode1556]

Daddy Hammer 🔨

[@calebhammeryourweekinmoney]

🫣🫣🫣

[@joshrobinson506]

The fed is convinced the patient is fine just the thermometer is broken. So they keep trying to fix the thermometer.

[@salto1994]

what are your thoughts on the brics block and the de-dollarization, where apparently 150 countries will join the brics bloc. when they don't use the dollar, they won't buy bonds so the US can spend as much and then upraw might happen

[@MileHighMonroe]

Personally, I’m banking on a second rate cut to refinance as low as possible! We’ve been hemorrhaging money this past year from a too high mortgage 😔

[@thomaswilliams1533]

Man I feel you, we're in the high 6s and it's depressing

[@bribradt3450]

I'm 5 months into a mortgage @ 7%. The payment is still cheaper than renting where I live.

[@jamesross160]

I'm 10 years into a 3.125% 30 year lock. They are not getting a penny early.

[@DrunkenChewbacca]

To much demand for housing prices to drop. If interest drops, more people will want to buy a house driving up demand.

[@Smith_Repairs]

I got a mortgage September 2023 with a 7 percent interest rate for a 125,000 how much would I save if I refinance and should I wait till it hits 3.5%?

[@Reconbeatz509]

Neither we are screwed both ways. Just playing it safe and saying that

[@skypieper]

Curious if gold will go up each time they cut rates.

[@jakecarter1264]

Gotta love the old trusty and reliable interest cuts right before election.

[@Smith_Repairs]

Do a house refinance video when to do it how much you’ll save

[@wowhc2516]

So if groceries are 30% higher than 4 years ago. And inflation is “down” does that mean this is normal now?

[@ticklemitts6255]

No, it means that inflation is down

[@ChrisofCT]

Correct. There will not be any price deflation.

[@lucashubbard8577]

Give the camera man a raise for their framing and microphone placement

[@jma81]

It looks like you’re wearing yellow Mickey Mouse ears throughout this video. Once you see it, you can’t unsee it. 😂

[@kumiq17]

They actually finally did it. About time, i was skeptical

[@calebhammeryourweekinmoney]

I thought we were going to see a quarter point cut!

[@Truepk]

Credit card goes brrrrrrr

[@maureenviola]

Will this help me buy sweet treats and taquitos??? I GOTTA EAT

[@willerwin3201]

They cut rates while core inflation is still over 3% and unemployment is under 5%. I find this decision curious.

[@chrisanderson1392]

Yaaa buddy, gooo Fed keep cutting those rates. Let's see how low we can go for my refi!

[@fngnius]

How does the target rate drop by .5 percent, from 5 to 4.75 percent?

[@ImChase_fr]

I’m watching to see what the bank of Japan does tomorrow

[@Timkunkle77]

Ok time to max out all my credit cards and move to Coasta Rica right?

[@suirad4life]

Now I can finally put a buckees franchise on a credit card

[@remy7663]

Who is doing the color grading? It's so saturated

[@MrFalloutfreak99]

Yay for inflation

[@AlenAbdula]

No inflation more like stagflation, people have been sqeezed, their buying power cut severely. Plus interest change is lagging indicator.

[@JDMSwervo2001]

At first I thought the thumbnail said @DiddyMoney😂💀

[@calebhammeryourweekinmoney]

Thatd would be foul 💀-Mika

[@ricktaviousanderson9070]

Still believe it was too soon. It’s most likely going to rebound a higher rate of inflation.

[@louismat319]

I bought 4 items from the grocery store and it cost 80$. Inflation is not 7%

[@yourdadsotherfamily3530]

Facts here is the cost for me Exactly consumer goods I needed to buy for my kids grocery wise was in 2016 1) $2.25 > to now $4.64 2) $1.08 > to now $3.12 3) $2.64 > to now $5.27 Over 200% increase on all items and then the government and administration have the nerve to bald face lie and say whilst cackling “it’s onlyyyyyyyy 8% you overly dramatic plebs..” FFS the cognitive dissonance to the objectively shared reality is abound!

[@ticklemitts6255]

Tf did you buy? 4 24 packs of beer?

[@davighnjimenez7725]

Your awsome. Thank you.

[@interestedparty3125]

I look forward to venture capital firms buying up the remaining housing market stock and turning current renters into future homeless. /s/

[@TyroneMarcell]

Perfect! Time to buy a house using cash advances on all my credit cards 😁