How Do Interest Rates Work?

Money Wisdom

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1M ago 20:40

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Interest rates are in the headlines as people await the next Fed meeting, but what do they really mean for you? Interest rates ripple through nearly every aspect of your financial life, from mortgages and credit cards to savings accounts and even the stock market.

In this episode, Nick and Jake break down how they work, why the Fed adjusts them, and what those moves mean for borrowers, savers, and investors. You’ll hear historical lessons from times when rates were sky-high or near zero, plus practical strategies for tackling high-interest debt and deciding whether to pay off your mortgage early. One small shift in interest rates can shake the entire economy, and this conversation shows you how to stay ahead.

Here’s what we discuss in this episode:

🏦 Why the Fed raises or lowers interest rates

💳 How borrowing costs change with rates

💰 Why high rates can help savers but often hurt spenders

📉 The link between interest rates and the stock market

🎯 Strategies for handling high-interest debt

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