Falling Rates, Rising Risks & The Jobs Question
Rates are coming down — giving small businesses cheaper money and sparking refinancing momentum. But with labor reports on deck, the big question is: will hiring follow, or will the Fed tap the brakes again?
It’s an economy full of push-and-pull forces: falling mortgage rates vs. sticky inflation, small business strength vs. labor market uncertainty, and Fed easing vs. the risk of doing too much, too soon.
From Charleston insights at the ZDI Customer Advisory Board to fresh policy moves out of California, KP unpacks what it all means for rates, housing, credit, and the future of work in an AI-driven economy.
Episode Highlights:
00:00 – Why small businesses drive half of U.S. jobs
01:45 – Fed policy and labor data tug-of-war on rates
03:12 – The “Elon Line” & “Snoop Line”: bond markets explained
05:26 – Mortgage refinancing surges as rates fall
07:48 – Inflation updates, credit trends & housing impact
10:14 – AI’s real role in reshaping productivity and jobs
13:32 – California’s AI bill, federal budget fight & policy watch
16:25 – Charleston ZDI Customer Advisory Board insights with Mark Calabria
Stay smart. Stay ready. Stay informed.
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