
I’ve written copiously on interest rate increases since the pandemic—but upcoming decreases warrant similar discussions.
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In times of economic uncertainty and shifting monetary policy, the 10-year Treasury Bond begins to inch up in the news. And for good reason—it’s a key economic indicator of the economy’s health.

Debt is a peculiar subject—either my clients want to avoid talking about it or they can’t stop talking about it. Personally, I enjoy discussing debt as a part of financial planning, because it’s actually a very nuanced topic. This is especially true for the context in which debt normally comes up: Mortgages.


After analysts agreed in December that the United States had likely avoided a recession, we are back on track for economic stability, with a recent Deutsche Mark study suggesting that estimates are almost 50%. The reason for this? Largely, sweeping economic changes and declining consumer confidence.