About the Episode:

In this episode of the Monday Money Tip Podcast, Joe and Megan tackle one of the biggest financial questions of 2025: Are interest rates going to go down, stay the same, or rise even higher? From borrowers hoping to refinance, to savers watching CDs and treasury yields, interest rates impact nearly every financial decision. Joe and Megan break down the Quantity Theory of Money, look at Federal Reserve data, and discuss how money supply and inflation tie into today's economy. Whether you're buying a house, refinancing a car loan, or just trying to understand the Federal Reserve's moves, this episode will help you cut through the noise and make smarter financial decisions.

Sources referenced:

https://elements.visualcapitalist.com/30-years-of-u-s-money-supply-and-interest-rates/

https://fred.stlouisfed.org/data/FEDFUNDS

https://fred.stlouisfed.org/data/M2SL

https://fred.stlouisfed.org/series/FPCPITOTLZGUSA

https://www.federalreserve.gov/aboutthefed/bios/board/jefferson.htm

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