URGENT! Fed Slashes Interest Rates. What It Means To You

🔥 Azul's Newsletter: www.azulwells....
❓ Ask Azul a question ➡ forms.gle/85rV...
🔥 Follow Azul on Twitter: / azul_wells
💲 NEED FINANCIAL ADVICE? 💲
1) Google "fee-only financial adviser" or visit www.NAPFA.org (largest association of fee-only financial advisers). NOT an affiliate link
2) The first question to ask any financial adviser is, "Are you a fiduciary to me 100% of the time". Get the answer in writing
3) Please note that some people call themselves "fee-based". This is NOT the same as fee-only. Fee-only advisers have committed to being fiduciary to you 100% of the time.
4) Personally, I would only hire an adviser who is a fiduciary to me 100% of the time. This is not a suggestion on what you should do. Just sharing my personal preference.
⚠️ Azul's "Scammer" Warning ➡ PLEASE READ! ⚠️
Be careful of scammers. In the comments section, I will NEVER ask you to contact me, offer any investment products, recommend a stock broker, or anything similar. Some scam bot commenters 'ask' for investment help, and later, other comment bots reply with "how great X idea/investment/person is" in the replies. These are scam threads. Do not fall for them.
🚨 Azul's VIDEOS ARE NOT FINANCIAL ADVICE (Disclaimer) 🚨
This information is only provided as an informational resource and should not be viewed as investment advice or recommendations. To get professional financial advice from a fee-only financial advisor near you, please visit www.napfa.org.
The decisions on how to invest, when to retire, and other financial planning topics are some of the most important financial decisions you will make in your life. I urge you to seek professional financial advice as you make this decision. Ideally, from a financial adviser, AND a CPA AND an attorney. Having the perspective of all three professions will help you make the right decision for you and your family.
This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and may NOT be suitable for all investors.
This information is NOT intended to, and should NOT, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, and/or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.
Spoiler Alert: There are no "get rich" programs. Rather, just basic blocking & tackling and putting in time and care. Do your homework, choose wisely and (IMHO) work with experienced professionals who are fiduciary to you 100% of the time.
*212 {Hammad}[Ankit] URGENT: Federal Reserve Signals Rate CUTS. Major Pivot Ahead

[@damncars2618]

Don't kid yourself. Real estate and inflation will rise when interest rates come down.

[@11Bravo84]

I didn’t want the rates lowered.

[@notanomad9320]

One of my CD's matured today at 5.45%, bought another 3 month CD at 4.9%. I'll have to change my strategy in 3 months.

[@michellewinkler3985]

Seniors live on savings. Now they won't be able to live due to inflation and due to interest rate deductions.Gee thanks!

[@ericw3964]

​@@michellewinkler3985Bernake and Bush really f'd seniors and all of us when they cut to zero instead of allowing the pain, now we're all addicted to the sugar of low rates and once again (still) seniors are f'd. The real "entitlement" these days are low rates and cheap money, and people can't imagine how we got inflation.

[@marklynch8781]

Going back to very low interest rates is a bad idea.

[@edwardbritt6773]

Do you really think rates are high? They seem kind of normal to me. They’ve been artificially low for too long.

[@squirreldog7619]

When we (the US government) is making debt service on $35 Trillion in debt then interest rates are too high. That translates into $3 billion a day. About $18 per day per taxpayer! I know I don't like paying $6,570 in interest per year.

[@donaldmiller9648]

They would have had a mess in early 1980s when was in 20% interest range to buy a house..even when I bought in 1986 was 10.5%...

[@keithmachado-pp6fv]

It was 13% in 1986

[@peterfrank1572]

I've been saying this for years. People have grown too accustomed to low rates.

[@callen8908]

Agree with the comments here. The rates were incredibly low for so long after the 2008 mortgage crash

[@gz6x]

The market has been expecting rate cuts for months, I wonder if the government massaged economic data to delay the cut till 2 months before voting, so to maximize the impact.

[@UltimateStaredown]

6 years ago someone with even 2M couldn't retire on bonds. Maybe they'd get 70K. In the past year that same person could lock in long term bonds at ~6% - getting 120K a year. It was too good to last. Lower and lower yields are coming because the world doesn't offer a gift like that for long.

[@jamessteele7102]

Restaurants are full and people are shopping (spending) and renovating their homes like crazy, so it doesn’t feel like a recession to me.

[@bruced.370]

We're are you? My area they are closing malls and restaurants. Not good.

[@e79422]

@@bruced.370 I live in Ohio and construction, restaurants and stores are doing better than ever. People can't spend fast enough.

[@Rick-of6gx]

I'm in Oklahoma and see it as well. Car dealers getting major renovations done, people shopping and eating out doesn't appear to have slowed much either.

[@j.l.salayao8055]

Viva Las Vegas here, lights open 24/7 and people everywhere for food and shopping.

[@discoverglobeliving]

I remember when the rates dropped back in 2008, it really shook up the housing market. This update makes me wonder how it’ll affect my savings now.

[@tomTom-lb5cu]

Heard a saying years ago seems mostly true. Interest rates high stocks will die, interest low stocks will grow. Seems like just the fed saying it was done raising interest rates helped stocks so we will see what a healthy cut will do for stocks. Of course for the average person saving for retirement interest rates rising or lower makes little difference in the long term anyway. IMHO

[@whiterabbit3439]

A lower interest rate punishes savers. Savers? What's that? A hockey term?😅 Laugh or cry.

[@e79422]

It means less spending for me and many on fixed income.

[@movdqa]

One difference today is the amount of global liquidity sloshing around from central banks; very good corporate earnings, and relatively high levels of employment. There's also a huge amount of foreign investment into the United States. Powell appears to be okay with inflation running hotter than 2%.

[@laurie6644]

Bull.

[@jimknarr]

Fed Rate drops 50bps and 5YR/10YR/20YR Bond Yields go up 1.2%-1.6% !!!!! Let that sink in !!!!

[@squirreldog7619]

I hope you are able to Cash in on this!

[@screemerbeemer]

Can you provide an explanation for those of us who dont understand Bond Yields?

[@motocephalic]

Interest rates should NOT be lowered. This is the fed reserve looking to cause more inflation.

[@Nobamaable]

My home is paid for, so I bought a lake house,,, I'm out of Virginia and off to a tax-free state to retire!

[@walktravelanddiscover3945]

Thank you for sharing your thoughts!

[@karenjensen2345]

They actually need to raise rates.

[@whowillsaveyou3554]

Azul, what impact do you think VRBO and AirBNB have had on the housing supply numbers? Many more people own multiple short term rental properties than was the case before companies like this came along. I have read articles that say it's in the millions of properties.

[@peterfrank1572]

All they're going to do is reduce the rate of inflation. In my view in they've pushed prices 5 years ahead of where it should be today and it isn't going back down. Lower rates means people's savings will dry up.

[@JenniferCochran-w5e]

I'm so happy I made productive decisions about my finances that changed my life forever. I'm a single mother living in Melbourne Australia, bought my second house in August and hoping to retire next year at 43 if things keep going smoothly for me….

[@Joerico-g3c]

Congratulations dear. You're really doing well for yourself, I'm 48 and my financial life is in a mess. Any great tips would really go a long way in shaping my life. I want to buy my own house, that's really a big flex

[@JasonHain-z8t]

To be honest, investing rightly today can save you a whole lot of stress in the nearest future.

[@JeffBuffalari]

Investing in many source of income that are independent of government paychecks is the prudent thing that everyone should be thinking about right now, especially given the global economic crisis. Good assets and digital currencies are still good investment at this time.

[@AmeliaMaranoMcDermott]

This is superb! Information, as a noob it gets quite difficult to handle all of this, and staying informed is a major cause, how do you go about this are you a pro investor?

[@JenniferCochran-w5e]

I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear that you saved me from huge financial debt with just a small Investment, thank you Alesia Haas you're such a life saver

[@Jamie-dz8dg]

Bulls take the escalator, bears take the elevator...LOL! Given the 50bp cut today we will have a recession acknowledged within 24 months.

[@streakofluck]

These federal interest rate cuts don’t affect the mortgage rates for homes. That comes from the bonds market. The feds interest rate cuts affect banks borrowing money from other banks.

[@norrisheckwine7439]

Only those living off borrowed money will benefit from the lowering by the Fed.

[@JorgiHutse]

In my opinion

[@JorgiHutse]

Francine duguay program is widely available online..

[@adrianoluciodaconceicaop-vv7zd]

The market has gone berserk! whether you're a newbie or a veteran trader, everyone needs a sort of coach at some point to thrive forward.

[@Kilcrease]

I appreciate the professionalism and dedication of the team behind Francine's trade signal service.

[@sean_evers]

Francine goes deeper than just looking at surface-level trends. she explores technical, fundamental, and sentiment analysis, offering a comprehensive perspective on the market..

[@Susan1Shirk1]

The clarity and precision in Francine market predictions are astounding. I'm so grateful to have found her reviews here on KZbin as well.

[@HaNguyen-dy6xq]

I think we are already in a recession

[@Japplesnap]

😂 We're not. Far from it.

[@squirreldog7619]

If you ask someone that makes less that the median household income they will agree.

[@e79422]

My guess is you never lived during one. These are the best times I have ever seen during my long life.

[@whowillsaveyou3554]

More on housing. What effect did the low interest rates for a decade have on inflating home prices and that's leading to not being able sell a home more than liking that low interest rate they got when they overpaid for their home?

[@callen8908]

My issue isn’t with interest rates as much as record high corporate profit as they price gouge consumers

[@desiv1170]

Paradox of the financial youtuber: Advice - Everyone should be smarter with their money and not spend like crazy. Cut back and save! People - OK, we're buying the generics and cutting back Result - Oh no, this is bad for the economy! ;-)

[@jonfloyd1494]

If you are in a recession and don't know you are in a recession.......is it really a recession?????

[@purplebliss6875]

The Fed is undoubtedly responsible for the present catch-up efforts, as they were first too slow to control inflation. The pandemic, supply-chain issues, are all contributing reasons to the impending inflationary perfect storm. I'm still looking for companies to make additions to my $500K portfolio, to boost performance. Here for ideas...

[@TheMindfulnessSquirrel]

I am taking an uplift from this FED action. I am overweight in high-yield bonds, and dividend ETFs. This is the market trade ... switching into higher yielding assets. Pension fund investors need income.

[@trxinc9675]

What will feds action do to the market in the coming days.

[@KarencitaSacher]

Bring Stephanie Janis Stiefel on the show. She changed my life Financially I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Stephanie Janis Stiefel, for her expertise and exposure to different areas of the market.

[@mikebetts2046]

Why now? Give a boost to the market and economy to ensure a win for Harris.

[@knightwriter2989]

Harris isn't going to win.

[@michaelking42]

@@knightwriter2989 She won't win, but I'm sure she'll be installed like last election. They've had 4 years to figure out how to do it properly. Donald Trump wrote the Art of the Deal, democrats are perfecting the Art of the Steal. Sadly.

[@baronofgreymatter14]

It means nothing

[@mpddiesel]

First!!! 😀💪 Enjoy your informative videos. Retiring in 3 years at the tender age of 57 if this current administration doesn’t burn the economy down before I get there!!!

[@tomTom-lb5cu]

You’ll be good , I retired at 61 in2020 with Covid nonsense going on and it’s the best thing I’ve done in my life. Once you retire you will really have your own life. No more bosses just passive steady income . It’s like a massive allowance at just the right age. There is not even 1 negative I can think of since retiring. You must have worked many years God bless and best of luck.

[@margiestephens7281]

Then, you more than anyone, need to vote with your pocketbook !!! Thank God I’ve been retired for 3y now!! Good luck to you

[@gordonsrus]

@@tomTom-lb5cu I also retired in 2020 at 61 from tech. I got CNA training and a license so I do some part time in-home caregiving. I am very glad I did what I did. The tech world is shedding jobs now. My wife and I are doing well. We sold a large home (with a mortgage) in an expensive area and moved to a smaller but very nice place a few miles away so we are now debt free and we own our home.

[@davedeboy5726]

Investments are now in a bull market and home prices are going to rise.

[@ellaaysun6181]

I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Stephanie Janis Stiefel. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.

[@djk9324]

More AI from Azul - click bait

[@johnnyjava_]

Sounded like you were under water, kinda gross. Phlegm City Financials.

[@CindyBain-w6f]

I worry about Trump getting in office - his policies are terrible for my industry

[@treywhite9842]

You must work for the govt.

[@davJanko8052]

Spot on!

[@michaelking42]

What is your industry?

[@zm5513]

Govt worker

[@zm5513]

@@michaelking42probably immigration lawyer