New year, new rates? How to prepare or pivot, if need be.

Interest rates affect us all. Whether you’re seeking the highest rate for your savings or the lowest for your mortgage or credit cards, knowing how to manage this aspect of your finances is increasingly important in an ever-changing environment.

Though most forecasters expect the Fed to cut a benchmark short-term interest rate soon, rumors of “higher for longer” rates persist. And although we can’t predict the future, we can prepare for it. Are you ready for when this change happens?

Understanding key financial concepts is important to maintaining not just your financial health but also your financial confidence and happiness. And interest rates are more than just numbers in the news; they’re the heartbeat of your financial wellness.

Explore these current topics more in the articles curated for you this week, and share if you know someone who could use the info. As always, I’m available for any questions or ideas you have regarding financial strategy.

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The Dangers of Relying on the US to Power the Global Economy

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Gen Z's big gamble

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Gen Z is living with their parents to save money. But it could cost them, big time, over the long…

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Make sure your brain has a diverse portfolio too

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Students find shelter from the AI storm by taking joint degrees that help make them adaptable to…

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