Inflation may be cooling, but investors are still holding their breath ahead of next week's Fed meeting. With producer prices turning negative and CPI holding near 3%, the data suggests relief—but markets know that interest rate cuts ripple unevenly across savings, mortgages, and housing. Will this shift spark opportunity, or more frustration for households still waiting for rates to ease?
In this episode, Hannah Chapman, CFP®, APMA®, CRPC®, and Brad Haines, CFA, FRM, and Chief Investment Officer of Juncture Wealth Strategies, unpack the week's economic headlines, from inflation surprises to the tariff impact on farms, and explain what a Fed rate cut really means for your cash, mortgage rates, and the housing market.
Learn about:
· Inflation check: With PPI negative and CPI ~3%, how much “air cover” does the Fed have to cut?
· Your cash next week: If the Fed trims 25 bps, how quickly might money market and high-yield savings rates reset, and by roughly how much?
· Mortgage rates ≠ Fed funds: How do 10-year Treasury yields drive mortgage rates, and why do home-loan rates often lag short-rate cuts?
· Tariffs & prices: Where tariff impacts are showing up (and not), the farm economy angle, and how changing policy guidance could add or remove ~1% of inflation pressure over time.
· Housing tug-of-war: Rates vs. prices—what could happen if mortgage rates drift toward 5% while supply stays tight?
· Fixing supply: Why local permitting & financing bottlenecks matter; ideas to re-open bank lending lines to builders/developers.
Connect with Brad here:
Website: https://www.juncturewealth.com
Email: [email protected]
Connect with Hannah here:
X² Wealth Planning Website: https://x2wealthplanning.com/
Expansive CEO: https://expansiveceo.com/
Email: [email protected]