As someone who’s navigated countless transitions—both in the classroom and at the closing table—I’m always watching the factors that shape our financial landscape. Right now, persistent inflation and those stubbornly high long-term Treasury yields mean we can’t count on a quick drop in interest rates anytime soon. The Federal Reserve is walking a tightrope, weighing inflation concerns against signals that the economy may be losing steam. All this keeps borrowing costs up, affecting everything from monthly mortgage payments to business loans and commercial real estate deals. In times like these, I find that taking a steady, balanced approach is key. The uncertainty around rates, fiscal pressures, and inflation means having a thoughtful plan matters more than ever—especially for families and seniors making big decisions.
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