The Fed Cuts Rates by 0.50% -- What You MUST Know

Earlier today, the Federal Reserve cut their benchmark Federal Funds rate by 0.50%. Here's what you must know and the impact of interest rates on the economy, stocks, bonds, cash, mortgages, etc.

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WHO AM I?
Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth.

PS: I am no longer a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!

⏱️ Timestamps:
0:00 - Start Here
1:08 - What Are Rate Cuts?
4:06 - Impact on Stocks, Bonds & Cash
7:26 - Impact on Mortgage Rates
10:18 - Impact on Credit Card Debt

[SarahBrown-hn]

The belief that the Federal Reserve would stop raising interest rates was the driving force behind the entire economic chaos. What should we do now that we have a situation where interest rates are crashing? At this point, how would you suggest that I safely allocate $300k?

[Brandon]

The tech industry has been driving a lot of growth lately. But honestly, turning $10, 000 into $1 million sounds like a long shot. It's not just about picking the right stocks but also timing and having the patience to ride out the market's ups and downs.

[KarenLavia]

The Fed's interest rate cut leaves me pondering what stocks to buy now and when do I sell? I'm unsure how to properly allocate my money to achieve an optimal portfolio in this present economy, my goal is huge for retirement.

[maiadazz]

The Fed's cut leaves me pondering what stocks to buy now and when do I sell? I'm unsure how to properly allocate my money to achieve an optimal portfolio in this present economy, my goal is huge for retirement.

[Farmwald]

I don’t know how but you’ve managed to package an unbiased analysis. Stocks have stayed aloft as signs of cooler inflation I believe the Fed is finally done with raising rates, that means “Santa has come early” to the markets. What are the best additions to a $500K portfolio to boost performance?

[ReginaMcLauren]

I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.

[TaggeGust]

I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Brooke Miller for helping me achieve this

[HallAlison-wz]

I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months.
Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Kevin S Mikan for helping me achieve this

[sirheisenberg]

Interest rate cuts were anticipated to begin in June 2024 and were expected to take around 6-8 months to fully implement. A potential market downturn could unfold by March 2025. As the narrative of a soft landing gained traction, the likelihood of a major recession seemed to be diminishing. With $1 million from a business sale, I was actively seeking promising investment opportunities for the next three years.

[AndrianWiener]

So what's the most effective strategy during this period of volatility with the rate cut? Most of my portfolio is in (20% Index funds, 20% CD's 30% Bonds/T-bills and other assets) I want to explore different strategies to benefit from a potential bubble.

[brianwhitehawker]

Some experts think the fed decision could boost certain industries, while others warn it might increase inflation concerns. I'm reviewing my $600K portfolio allocations and I'm curious about strategies to respond to these potential sector impacts.

[DonaldMark-nese]

Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals. you have to contend with inflation, recession, decisions from the Feds and all. I was able to increase my portfolio by $289k in months. You have to seek for help in the right places.

[Jamesjerome]

I dont even know where the stock market is headed to right now. my portfolio of around 200k is not increasing more than 5% and people are predicting a crash .

[ErinWarner-zcjy]

Some experts think the fed decision to cut rates could boost certain industries, while others warn it might increase inflation concerns. I'm reviewing my $600K portfolio allocations and I'm curious about strategies to respond to these potential sector impacts.

[Sampson-jhyq]

The Fed is undoubtedly responsible for the Rate Cut. I consider it to be a very serious issue since it will undoubtedly cause more investors to withdraw their money from the stock market. But then I'm still aware of certain investors that continue to earn over $365K. Wish I could accomplish that.

[lucaspaciello]

Nice video given the ongoing global economic challenges, it's crucial for everyone to diversify their income sources, especially those not dependent on government support. Now is an ideal time to explore investments in assets like gold, silver, and digital currencies such as Bitcoin, Ethereum, and XRP. Thanks to Shea Ardolf for her outstanding proficiency and guidance in these fields.

[rexchizzy]

*Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires*

[freedomisEexpensive-]

There is an equal market chance associated with each crash or collapse. I have seen people accumulate up to $1 million during a crisis, and even make it work in a strong economy if they are prepared and well-informed. Without a doubt, the bubble/collapse is making someone wealthy.

[StephenJonas-kd]

Hit 250k today. Appreciate you for all the knowledge and nuggets you had thrown my way over the last months. Started with 24k in April 2024.

[willygoat]

As an MBS pricing analyst, you nailed the mortgage part. Investors already priced in the rate cut and rates did not move at all today. Refi boom already started 3 weeks ago.