Podcasts about Federal Reserve Bank

Prices are rising at their fastest clip in three years, according to new data out Wednesday. What does this mean for interest rates? Loretta Mester, former president and CEO of the Federal Reserve Bank of Cleveland, explains the likely economic impact.Then, a new government report out this week found that unless Congress passes new laws soon, Social Security will not be able to pay out full benefits to all eligible seniors starting in 2032. Former Social Security commissioner Michael Astrue shares more.And, Team USA will play its first match of the 2026 FIFA World Cup tournament on Friday against Paraguay. NPR's sports correspondent Becky Sullivan gives more details from Los Angeles, where the game will take place.See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

I've worked from home for about fifteen years, and I like it. I'm a writer, I'm fine being on my own, and I've got the cats for company. But there's one thing I miss, those little water-cooler conversations with colleagues, and a new study published in the journal Science speaks to exactly that. Economist Natalia Emanuel and her colleagues at the Federal Reserve Bank of New York set out to answer a deceptively simple question: what does remote work actually do to our mental health? The catch is that you can't ethically grab a thousand workers and order half of them to stay home for two years, so they had to get clever about how they studied it. In this episode I walk through that workaround, comparing "remotable" jobs to "non-remotable" ones, and what they found about isolation, anxiety, and well-being. I also put my skeptic hat on, because there's a real question hiding underneath the findings. Maybe working from home makes people lonelier, or maybe people who are already a bit more solitary are the ones who gravitate toward jobs they can do alone, in which case it's personality doing the work, not the office setup. That's the self-selection problem, and it's the reason random assignment matters so much in research. Along the way we get into why losing daily human contact can affect not just your mood but your immune and cardiovascular health, why I think community theater is part of what keeps my own solitude from tipping into isolation, and what both employers and remote workers might do about all of this.

In this special Founder Initiative pitch episode, four cybersecurity founders pitch their startups live to Robert Lowry, CSO of Tonic AI and former security leader at organizations including NASDAQ and the Federal Reserve Bank. Robert Lowry- https://www.linkedin.com/in/lowryrobert/ The conversation covers some of the biggest emerging enterprise security challenges around AI agents, shadow AI, runtime protection, memory systems, cybersecurity data infrastructure, and modern SOC operations. Featuring: * IceGuard — next-generation AI-native cybersecurity data infrastructure - Anders Holden, https://www.linkedin.com/in/andersbholden/ * Optimus Labs — agent defense and AI runtime governance - Nipun Gupta - https://www.linkedin.com/in/guptanipun/ * KeyCaliber — AI usage visibility and cybersecurity asset intelligence - Roselle Safran - https://www.linkedin.com/in/rosellesafran/ * Dyng/Pilot AI — AI memory and contextual learning systems - Ricardo La Rosa - https://www.linkedin.com/in/ricardo-larosa/ Instead of polished demos and sales decks, this episode captures real buyer reactions, live feedback, objections, and the kinds of questions enterprise security leaders actually ask before considering a product. If you're building for CISOs, enterprise security teams, or AI infrastructure buyers, this episode gives a rare inside look at how technical buyers evaluate early-stage startups in real time.

Duct fixes a lot of things, including my comedy career. Ok, not really my career, but the transportation getting me to the gigs. Here's a quick, embarrassing story about my use of duct tape. Not really looking my best as I drove around the country, but it ws functional . . .for a while.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief. A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy. Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

Every day, billions of transactions settle between strangers who have no idea which bank the other uses. That lack of friction is not automatic. Nine-tenths of the money in daily circulation has been created by commercial banks, but it stays trustworthy only because central banks stand behind it, and keep the system in balance.In this week's episode Tim Phillips talks to Stephen Cecchetti (Brandeis University, CEPR) about what happens when new forms of digital money test that architecture. Cecchetti is one of the authors of the eighth Barcelona Report in The Future of Banking series, part of the Banking Initiative at IESE Business School, just published by CEPR as a free download.Will retail central bank digital currencies, tokenised deposits, and stablecoins upset the delicate balance of system that has been running for decades? Stablecoins, for example, do not create money, but they claim the status of money without the institutional guarantee that makes money trustworthy. Three jurisdictions — the US, the EU, and the UK — are each resolving the same underlying contradiction in different ways. None has fully resolved it.The research behind this episode:Niepelt, Dirk, Stephen G. Cecchetti, Hélène Rey, and Xavier Vives. 2026. Digital Money: The Future of Banking 8. London: CEPR Press. Available as a free download from CEPR.To cite this episode:Phillips, Tim, and Stephen G. Cecchetti. 2026. “The digital money supply.” VoxTalks Economics (podcast). Assign this as extra listening. The citation above is formatted and ready for a reading list or VLE.About the guestStephen Cecchetti is the Rosen Family Chair in International Finance at Brandeis University, a Research Fellow of the Centre for Economic Policy Research (CEPR), and a Research Associate at the NBER. He was previously Economic Adviser and Head of the Monetary and Economic Department at the Bank for International Settlements, and Director of Research at the Federal Reserve Bank of New York. His research spanning monetary policy, financial stability, and banking regulation has shaped both academic and policy debate over three decades. He blogs at moneyandbanking.com.Research cited in this episodeWalter Bagehot's lender of last resort doctrine. In Lombard Street: A Description of the Money Market (1873), Bagehot argued that a central bank under stress should lend freely against good collateral at a penalty rate. The prescription remains the intellectual foundation for how central banks manage runs and systemic crises. Cecchetti invokes it to make the point that no private substitute for a central bank backstop has ever proved durable, and that the doctrine is now, one hundred and fifty years on, being tested by instruments its author could not have imagined.Monetary uniformity, mobility, and elasticity. The three institutional conditions underpinning general acceptance of money, developed in analysis by the Bank for International Settlements and discussed extensively in the report. Uniformity means a pound is a pound regardless of which bank holds it. Mobility means claims move between users and institutions at low cost and settle with finality. Elasticity means the supply of money can expand when it is under stress. Together they explain why we accept a deposit at face value without doing any analysis of the bank that issued it; and together they identify exactly where new forms of digital money create institutional gaps.Silicon Valley Bank failure, March 2023. SVB's collapse illustrates both the lender of last resort functioning and the limits of no-bailout commitments. Cecchetti notes that SVB's liabilities were still trading at par on the Thursday before its Friday failure because the Federal Reserve stood behind them. He also notes that Circle, the issuer of USDC, held $3.3 billion of its reserves at SVB and was effectively bailed out in the resolution. The episode is one of two occasions in the past twenty years where money market fund-like instruments have been backstopped by the Federal Reserve under stress.Genius Act (United States). Principle-based stablecoin regulation expected to come into effect in the US around 2027. Under its provisions, only stablecoins issued by bank-affiliated issuers will have access to the Federal Reserve; only those will therefore have the institutional backing needed to function as money. Stablecoins issued by non-bank entities will not.Markets in Crypto Assets Regulation (MiCA), European Union. The EU framework for crypto assets, which entered into force in 2024. For stablecoins, MiCA requires issuers to hold 30 to 60% of their reserves in bank deposits, with no provision for central bank backing. The stated rationale is to keep deposits within the banking system; Cecchetti notes this creates a different category of vulnerability and leaves the question of what happens under stress unresolved.Bank of England stablecoin proposal (United Kingdom). The Bank of England's approach differs from both US and EU frameworks by explicitly requiring large stablecoin issuers to hold significant reserve deposits at the Bank of England, making them in effect narrow banks with a direct central bank backstop. Cecchetti regards this as the most coherent of the three approaches in terms of institutional logic, though the same fundamental question applies: whether holding to that design under stress would be politically sustainable.Tether and the jurisdictional challenge. Tether, the largest stablecoin issuer, is registered in El Salvador having previously operated out of the British Virgin Islands. Its tokens are held by users in multiple countries, traded on exchanges in multiple jurisdictions, and backed by US Treasury securities. Cecchetti uses this to illustrate why local regulation, however well-designed, is necessary but not sufficient; effective oversight of instruments that are genuinely global requires international standards and coordination.Fractional reserve banking and the goldsmith model. The institutional structure described in the episode has roots in mid-seventeenth century England, when goldsmiths began issuing more paper receipts than they had gold in their vaults. The goldsmiths became bankers; the paper became money; the vulnerability to runs became a structural feature of private money creation that persists today. Cecchetti uses the history to make the point that while technology changes how we store and transmit information, the underlying architecture of trust in private money is as old as Newtonian physics.More VoxTalks Economics episodesMaking banking safe, Stephen Cecchetti and Kermit Schoenholtz. Our financial system is supposed to be more resilient than before the global financial crisis, but that didn't save Silicon Valley Bank, Signature Bank or First Republic. So what went wrong?Related reading on VoxEUNew coins on the block: Digital currencies and the financial system. The authors of the Barcelona Report warn that “Digital money will be reliable only where sound institutions and robust technology come together.”

Everybody has advice, but you better not listen to all of it. There is a LOT of bad advice out there; especially when it comes to comedy and entertainment. I've had lots of people give me advice, but I've only taken a little of it. Here's a quick story about some really bad advice. It's also kinda funny. But it truly is not something I took seriously. https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

On this episode of Intersections, Rob Kaplan, the vice chairman of Goldman Sachs and former president of the Federal Reserve Bank of Dallas, talks about the forces shaping America's economic future and the importance of local leadership. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Established more than 100 years ago to address stresses in the banking system, the Federal Reserve is the U.S. central bank. It comprises the Board of Governors, a federal agency located in Washington, D.C., and 12 Federal Reserve Banks around the nation.rnrnOne of these banks is the Federal Reserve Bank of Cleveland, which serves the Fourth Federal Reserve District.rnrnThe Fourth District encompasses Ohio, western Pennsylvania, eastern Kentucky, and the northern panhandle of West Virginia. Its mission is to ensure banks are trustworthy and secure, to keep the financial system running, and to represent Fourth District priorities on the national stage.rnrnCleveland Fed President and CEO Beth Hammack has led the Federal Reserve Bank of Cleveland since 2024. This year, she is one of 12 voting members of the Federal Open Market Committee, which is responsible for setting monetary policy.rnrnHammack has more than 30 years of experience in finance, capital markets, and risk management. Before joining the Cleveland Fed, she was cohead of global financing at Goldman Sachs Group, Inc., where she was also a member of the management committee.rnrnAs president and CEO, Hammack oversees 1,100 employees in the Bank's Cleveland, Cincinnati, and Pittsburgh offices who conduct economic research, supervise banking institutions, and provide payments services to commercial banks and the U.S. government.

Is artificial intelligence actually to blame for a dimmer job market for new college grads? Or is it something else? The Federal Reserve Bank of New York is out with some new data that looks at these situations and it turns out, something else is to blame: remote work.

"There's a lot of waiting around in comedy." A comedian who had been doing this for years gave me this advice during my first year of comedy. And he wasn't kidding. There IS a lot of waiting around, and being bored, before you actually hit the stage. In this episode, I talk about when I got my first taste of stage and being bored, and it was well before my comedy career began. Thanks for listening.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

The nation's corn and soybean farmers are nearing completion of planting this season's crops. The planting pace and crop emergence are both at or above the average pace. The National Farmers Union is calling on the Senate for urgent and comprehensive reform to the farm safety net. The Federal Reserve Bank of Chicago reports falling repayment rates on farm loans compared to last year. 

Whip open your wallets, because no one affects your paycheck like this man. We just sat down with Austan Goolsbee — President of the Federal Reserve Bank of Chicago. He's a Macarthur Genius, former Chair of Obama's Economic Advisors, and the coolest economist we know: Picture Ted Lasso meets Paul Volcker… He's the Maestro of our Money Supply, and he guided the economy through the ‘08 financial crisis and today's Inflation Situation.So Auston spilled the money beans for us: The 2009 phone call with the President that was the worst financial briefing since the Great Depression… What it's like in the room when he votes to change interest rates (spoiler: The table is huuuuge)... How he'd grade outgoing Fed Chair J-Poww… and why he's not a “Dove” or a “Hawk” — He's a “Data Dog.”If you want to know when you can finally afford buy a house, then Austan Goolsbee has the insights on the forces affecting that — And he makes dropping data sound as smooth as a beer commercial.CHAPTERS:Intro: Austan Goolsbee Joins TBOYObama's "Worst Briefing Since 1932" — Goolsbee On The 2009 Financial CrisisPaul Volcker's One Rule For Every Crisis: Don't Blow Your CredibilityThe 31% Housing Rule: Why Most Americans Are At Foreclosure RiskWhy Housing Has Compounded 5% A Year For 25 YearsDid Tariffs Cause Inflation? Goolsbee On The 1% BumpIs Stagflation A Real Threat In 2026? Goolsbee Says "We're Not 1978"Will AI Take Your Job? The Lump Of Labor Fallacy ExplainedWhy The Federal Reserve Has 12 Regional BanksInside The FOMC: How The Fed Actually Sets Interest RatesGoolsbee On Kevin Warsh: The New Fed Chair & Why The Job MattersThe "Data Dog" Approach: What Goolsbee Watches Instead Of CPIFed Independence: Why Inflation Roars Back Without ItGoolsbee's Jerome Powell Grade: First Ballot Hall Of FamerRapid Fire: Sunk Cost Fallacy, Ditka, And Best Chicago RestaurantNEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell. Hosted on Acast. See acast.com/privacy for more information.

The newly launched Citizenry is a free, nonprofit, AI-enabled platform that matches New Yorkers who want to get involved in their city with the civic groups, neighborhood organizations, and nonprofits that actually need them. Before launching Citizenry, founder Dominic Ramos-Ruiz served as U.S. Head of The Conduit, a global network for purpose-driven leaders, and worked at the Federal Reserve Bank of New York on the community development and impact investing team.See omnystudio.com/listener for privacy information.

Whether you're renting, trying to buy your first home, or making a move — many people are finding that affordable housing feels out of reach. Minneapolis Federal Reserve President Neel Kashkari recently pointed to four major factors pushing up housing prices: High interest rates, rising construction costs, regulations and zoning rules, and a shortage of housing overall. MPR News guest host Catharine Richert talks about what more expensive housing means for renters and buyers across Minnesota — and what policymakers, builders and communities can do to make housing more affordable. Guest:Alene Tchourumoff is the senior vice president of Community Development and Engagement for the Federal Reserve Bank of Minneapolis. Her team studies housing affordability and economic trends affecting low and moderate-income households across Minnesota. Subscribe to the MPR News with Angela Davis podcast on: Apple Podcasts, Spotify or RSS.

The first quarter of 2026 was not a good one for farmers and ranchers at the farm gate. The Federal Reserve Bank of Minneapolis conducts a survey of ag lenders in the region each quarter. NAFB News Service See omnystudio.com/listener for privacy information.

Sonya Waddell and John Graham share their research on the adoption of artificial intelligence in the workplace, based on the expected and realized effects reported by the financial executives who participate in the CFO Survey. Waddell is a vice president and economist at the Federal Reserve Bank of Richmond and Graham is a finance professor at the Fuqua School of Business at Duke University and director of the CFO Survey. Full transcript and related links: https://www.richmondfed.org/podcasts/speaking_of_the_economy/2026/speaking_2026_05_20_CFO_AI

Designers face challenges around education, certification, pay, and power, and in this episode, hosts Giulia Donatello and Lee-Sean Huang sit down with Benjie Wilhelm, Assistant Professor at ASU, Director of Strategic Initiatives at UCDA, and brand strategist "hellbent on making the world a better place," to name the elephant in the room and start talking about what it would actually take to fix it.In This EpisodeThe flattening of the profession. About 80% of designers today are self-taught or bootcamp-trained, while 90% of design work is freelance. Benjie argues this isn't just a workforce trend. It's a sign of a profession without a floor, and the consequences run from pay compression to ethical accountability gaps.Artists vs. tradespeople. Benjie's central provocation: designers need to stop identifying as artists and start thinking of themselves as tradespeople. An architect can't build a building that falls down. A plumber can't flood your house. But designers can build platforms that undermine democracy and currently face no professional consequences for doing so.The RGD model. Canada's Registered Graphic Designers designation began as a provincial act in Ontario when a group of designers organized, lobbied, and had their certification standards ratified. Benjie sees it as a repeatable model and has been studying it closely as a possible path for the US.Certification, unions, and collective action. AIGA's Professional Designer and Design Leader certifications are a start, but Benjie argues the industry needs something closer to a union model, where certification has legal weight, pay floors are enforced, and designers have the standing to say no to harmful work. He's been part of union campaigns at both Parsons and SVA."Your concerns are beneath me." During the SVA unionization campaign, one colleague dismissed the effort entirely because they could afford to treat teaching as charity work. Benjie uses this as a window into a deeper problem: a succession crisis in design, where prestige and platform stay concentrated in the same hands, and the people most affected by broken systems are the ones least able to fix them.The broken pipeline. The Federal Reserve Bank of St. Louis's Talent Disrupted report found that 52% of college graduates are underemployed at initial labor-market entry and that 45% remain underemployed 10 years later. Benjie sees this firsthand, teaching portfolio and professional practice at ASU, and refuses to pretend the path is clearer than it is.Resources Talent Disrupted report, Federal Reserve Bank of St. Louis - https://www.stlouisfed.org/open-vault/2025/aug/jobs-degrees-underemployed-college-graduates-haveRGD (Registered Graphic Designers of Ontario) - https://www.rgd.caAIGA Professional Designer & Design Leader Certifications - https://www.aiga.org/certificationJenn Stucker at BGSU - https://www.bgsu.edu/arts-and-sciences/school-of-art/faculty-staff/jenn-stucker.html Jenn Stucker on a 2024 episode of the show -  https://creators.spotify.com/pod/profile/aigadesign/episodes/Community-Engagement--Cultural-Change-with-Jenn-Stucker-e2lhodo Heated Rivalry on HBO Max - https://www.hbomax.com/shows/heated-rivalry/50cd4e99-04ee-427b-a3b4-da721ed05d9cCritical Form - https://www.instagram.com/critical_form/Benjie's Instagram - https://www.instagram.com/benjiewilhelm/ Benjie on Threads - https://www.threads.com/@benjiewilhelm  Benjie Wilhelm is a brand strategist "hellbent on making the world a better place" through design, with a decade of experience building brands for startups and nonprofits at the intersection of technology and collective well-being. He is an Assistant Professor of Design at Arizona State University, where he teaches portfolio and professional practice, and Director of Strategic Initiatives at UCDA, where he works on what a design association needs to look like now and in 10 years. 

Have you ever found yourself having to address a group that you have pretty much nothing in common with? As a comedian and keynote speaker, it happens. Here's a quick story about a time that I had to connect. . .and I did. It's a fun story and I hope you enjoy it.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

Richard Fisher, former CEO, Federal Reserve Bank of Dallas : "Kevin Warsh: Walking Into America's Economic Buzzsaw" full 551 Mon, 18 May 2026 23:09:10 +0000 ZbEJJYlgZN2kAeUELEfV4k2sywS1XjEQ business CEO Spotlight business Richard Fisher, former CEO, Federal Reserve Bank of Dallas : "Kevin Warsh: Walking Into America's Economic Buzzsaw" David Johnson CEO Spotlight 2024 © 2021 Audacy, Inc. Busines

This week, we discuss a series of perplexing market moves as inflation readings, oil prices, and Treasury yields all moved higher at once. Both headline CPI and PPI surprised to the upside, placing the Federal Reserve and its new Chair, Kevin Warsh, in an increasingly difficult position. According to the latest inflation nowcast from the Federal Reserve Bank of Cleveland, inflation is expected to come in at more than double the Fed's two percent target. Meanwhile, yields on ten and thirty year Treasuries climbed sharply as investors demanded greater compensation for rising inflation risks and mounting concerns over America's fiscal trajectory. The yield on the thirty year Treasury bond has now reached its highest level in nineteen years. Oil prices have also continued their ascent. Equity investors, however, appear largely unconcerned, choosing instead to focus on strong earnings reports from the hyperscalers. The divergence between buoyant equity markets and increasingly anxious bond markets suggests that investors are drawing very different conclusions about the economic outlook.

The San Francisco Comedy Competition is a very prestigious comedy competition. Comics are thrilled when they get invited, and that happened to me. Here's a quick story about my exeperience in the competition, and what I got out of it. I believe the competition is still going strong, so if you're a comedian, go for it! https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

Matt Martin and Erika Bell recall their visit to western North Carolina to learn more about revitalization efforts in response to long-term changes in the regional economy as well as the aftermath of Hurricane Helene. Martin is a regional executive at the Charlotte office of the Federal Reserve Bank of Richmond and Bell is the community development regional manager for North Carolina and South Carolina at the Richmond Fed. Also in this episode, Scott Webber, town manager of Spindale, N.C., shares how he has worked with community partners to support redevelopment in the region. Full transcript and related links: https://www.richmondfed.org/podcasts/speaking_of_the_economy/2026/speaking_2026_05_13_redevelopment_western_nc

We are delighted to welcome Eddy Arriola, a rock-star entrepreneur from South Florida, as today's guest. Eddy has tons of experience building and scaling businesses, including founding Apollo Bank, and he recently published a book on relationships and the art of relational leadership. Stay tuned for Eddy's expert insights on how relationships shape leadership, business growth, and long-term success. Eddy's Journey Born and raised in Miami, Eddy is the son of Cuban immigrants who arrived in the USA after the 1960 revolution. Entrepreneurship is part of Eddy's DNA, shaped by his father, grandfathers, and community. He never even considered working for anyone else, and he has never experienced a traditional job interview. In 1997, Eddy co-founded Inktel with his brothers. He started Apollo Bank in 2008 by relying on his relationships and persistence, and learning as he went. Entrepreneurial Mindset Eddy explains that your mindset is built by what you see early in life. Eddy grew up surrounded by entrepreneurs, so starting a business felt natural. He believes that you improve the world by creating jobs, building a good work environment, and setting an example as a leader. Starting Apollo Bank Eddy launched Apollo Bank without fully understanding the challenges, which helped him move forward. He started just before the 2008 financial crisis, thinking it would be a short recession. His approach was simple- he just kept on going, and through his persistence, he built credibility and trust with investors, regulators, and clients. Relationships Your biggest wins and biggest problems always come down to relationships. Leadership is about getting things done through other people- by managing relationships within your team, building relationships with customers, and within the industry, your community, and your personal life. Building Teams Teams are built through trust and relationships. Eddy reached out to people who believed in him and shared his vision. He focused on finding the right mix, including an integrator to complement his visionary role. Customer Selection Be very specific about the customers you select. By focusing on the right customers, you can deliver an A-plus product. If you try to serve everyone, your quality will drop. Eddy focused on entrepreneurs and built strong relationships through one-on-one conversations. Communities Actively seek out the right communities. Joining EO was one of the most important decisions Eddy ever made. For over 24 years, he has been connecting daily with other members, building meaningful relationships that have shaped his growth- both as a leader and an individual. Writing a Book After selling Apollo Bank, writing a book became Eddy's goal. He wrote his book for his younger self (as a CEO of a growing business). The lessons he shares can be broadly applied, especially in a time when people tend to underestimate the value of relationships. Relational Leadership Framework Many leaders tend to focus solely on their customers or teams. However, long-term success comes from understanding and working across all your relationship areas, including your relationship with yourself. The CARPE Framework By structuring your approach to relationships using Eddy's CARPE framework- Connect, Align, Respond, Prioritize, and Evaluate- you will be able to manage your relationships intentionally instead of reacting to situations. Respond vs React Do not react immediately. Instead, take a moment to think about the right response. Quick reactions can create long-term problems, whereas a thoughtful response will help you scale. Evaluating Relationships Step back often and assess your relationships. Loyalty matters, but it can slow you down if it is misplaced. So, make sure your relationships support your goals. Empathy and Understanding Understanding what is going on with the other person helps you respond better. Empathy allows you to align with the other person's perspective and move forward more effectively. Misaligned Relationships You need to recognize when a relationship cannot be fixed. Some people have patterns or issues that will never change. You may even need to let someone who performs well go to protect the organization. Allocating Time Effectively Spend your time where it has the most impact. Holding on to low-value relationships out of habit or loyalty can slow your growth. Focus your time on relationships that can move your business forward. Building Relationships The best time to build relationships is when you do not need them. Waiting until a critical moment leads to poor decisions. Build connections early so they are in place when you need them. BIO: Eddy Arriola Eddy Arriola is a seasoned entrepreneur, CEO, board member, and advisor to CEOs, known for building successful companies and guiding leaders through moments of growth, transition, and transformation. He is the founder and former chairman and CEO of Apollo Bank, which launched during the great financial crisis and grew into one of the most respected banks in the Southeast, ultimately completing a successful exit to a publicly traded company. Under his leadership, Apollo Bank earned national recognition for innovation, corporate culture, and service to the community. In addition to founding multiple companies and advising high- growth startups, Eddy has served on the boards of private and public companies across sectors—from fintech and healthcare to banking and real estate. His experience includes board service with gMed (acquired by Modernizing Medicine), TotalBank (acquired by Banco Popular de España), and two SEC-registered institutions: Seacoast Bank (NASDAQ: SBCF) and the Federal Home Loan Bank of Atlanta, as well as Linkvest and Plug&Lend. He also served two terms on the board of the Federal Reserve Bank of Atlanta (Miami Branch) and was appointed by President Barack Obama—confirmed by the US Senate—as chairman of the Inter-American Foundation, a position he continued to hold under the Trump and Biden administrations. Eddy is a nationally recognized speaker, author, a longtime member of YPO and EO, and a trusted advisor to private equity firms and executive teams. His leadership reflects a lifelong commitment to learning, integrity, and helping others grow. Today, he is an active advisor to companies and CEOs who want to become better leaders, scale their businesses, and lead with greater clarity and confidence. Through his firm, Arriola & Co., he advises CEOs and executive teams on leadership, strategy, and culture. He also serves as a trusted coach, helping leaders navigate complex decisions and high-stakes relationships. He was born and raised in Miami, Florida, and is a graduate of Boston College and Christopher Columbus High School. Connect with Eric Rozenberg On LinkedIn Facebook Instagram Website Listen to The Business of Meetings podcast Subscribe to The Business of Meetings newsletter Connect with Eddy Arriola On his website LinkedIn  

The Federal Reserve Bank of St. Louis looked at credit as a measure of how the May 16th storms set households back -- especially those families with low to moderate incomes. Nishesh Chalise is the Senior Manager of the St. Louis Fed's Community Development Research team & joined Megan Lynch.

Retirement systems are undergoing a structural shift as traditional pensions decline and individuals take on greater responsibility for financial outcomes. Longer lifespans and evolving capital markets are making retirement planning more complex and consequential.Oscar Pulido speaks with Nick Nefouse, Global Head of Retirement Solutions at BlackRock. They discuss how defined contribution plans, target date funds, and regulatory changes are reshaping how individuals save, invest, and prepare for retirement.The conversation explores how retirement is moving from a focus on accumulation to income generation, particularly during the “retirement window.” It also highlights how global systems are converging toward similar models, and how innovation—across portfolio construction, private markets, and guaranteed income—is influencing long-term outcomes.Key insights:· How the shift from pensions to defined contribution plans is changing investor responsibility· Why longevity is reshaping retirement timelines and financial planning needs· How target date funds are simplifying access to capital markets for individuals· What the “retirement window” reveals about diverging investor outcomes· Where global retirement systems are converging despite regional differences· How income generation is becoming central to retirement portfolio design

All eyes are on the economy — watching oil prices, grocery costs and inflation.Nobody is watching it closer than the Federal Reserve, the body responsible for setting interest rates that affect everything from mortgages to car loans to business borrowing.And the most recent Fed meeting was a doozy, as Fed meetings go: members kept interest rates steady, but one faction dissented and that included the president of the Federal Reserve of Cleveland.Joining us today to talk about the economy, inflation and the role of the Fed is president and CEO of the Federal Reserve Bank of Cleveland Beth Hammack.Guests:Beth Hammack, president/CEO, Federal Reserve Bank of ClevelandBenjamin Ayers, senior economist, Nationwide

All eyes are on the economy — watching oil prices, grocery costs and inflation.Nobody is watching it closer than the Federal Reserve, the body responsible for setting interest rates that affect everything from mortgages to car loans to business borrowing.And the most recent Fed meeting was a doozy, as Fed meetings go: members kept interest rates steady, but one faction dissented and that included the president of the Federal Reserve of Cleveland.Joining us today to talk about the economy, inflation and the role of the Fed is president and CEO of the Federal Reserve Bank of Cleveland Beth Hammack.Guests:Beth Hammack, president/CEO, Federal Reserve Bank of ClevelandBenjamin Ayers, senior economist, Nationwide

There are a lot of things that can keep you from the stage. Here's a unique one that happened to me, that I never even considered! It's okay. I made the gig. But I can now add this to a list of ridiculous things that have happened to me in my comedy career. https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

Claudia Macaluso explains how economists identify the points of expansion and contraction in the national economy and how the current business cycle differs from past cycles. Macaluso is a senior research economist at the Federal Reserve Bank of Richmond. Full transcript and related links: https://www.richmondfed.org/podcasts/speaking_of_the_economy/2026/speaking_2026_05_06_business_cycles

Mardi 6 mai 1980 – Une bombe explose devant la Federal Reserve Bank of New YorkLe 6 mai 1980 une bombe a explosé devant la Federal Reserve Bank of New York, située à Manhattan. Cet évènement que je vais vous raconter va également être l'occasion de parler de ce bâtiment qui a été désigné monument historique de la ville de New York en 1965 et qui a été inscrit au Registre national des lieux historiques le même jour que l'attentat, le 6 mai 1980N'hésitez pas à aller visiter notre site racontemoinewyork.com Retrouvez tous les liens des réseaux sociaux et des plateformes du podcast ici : https://linktr.ee/racontemoinewyorkHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

We're approaching graduation season for this year's crop of college seniors. But along with all the celebrations, there's an extra dose of uncertainty hanging in the air around new grads, as they face an extra-tough job market and the rise of AI. On today's show, Kimberly talks to New York Times labor and workforce reporter Noam Scheiber, whose new book “Mutiny: The Rise and Revolt of the College-Educated Working Class” digs into the historical context for the environment today's seniors are graduating into. Here's everything we talked about today:”Mutiny: The Rise and Revolt of the College-Educated Working Class” by Noam Scheiber”Young Graduates Face the Grimmest Job Market in Years” from The New York Times”The Labor Market for Recent College Graduates” from The Federal Reserve Bank of New York ”College Graduates Are Struggling to Find Jobs. AI is Partly to Blame.” from CNBC”U.S. Worker Thriving Declines as Job Market Pessimism Grows” from GallupWe love hearing from you. Leave us a voicemail at 508-U-B-SMART or email makemesmart@marketplace.org.

We're approaching graduation season for this year's crop of college seniors. But along with all the celebrations, there's an extra dose of uncertainty hanging in the air around new grads, as they face an extra-tough job market and the rise of AI. On today's show, Kimberly talks to New York Times labor and workforce reporter Noam Scheiber, whose new book “Mutiny: The Rise and Revolt of the College-Educated Working Class” digs into the historical context for the environment today's seniors are graduating into. Here's everything we talked about today:”Mutiny: The Rise and Revolt of the College-Educated Working Class” by Noam Scheiber”Young Graduates Face the Grimmest Job Market in Years” from The New York Times”The Labor Market for Recent College Graduates” from The Federal Reserve Bank of New York ”College Graduates Are Struggling to Find Jobs. AI is Partly to Blame.” from CNBC”U.S. Worker Thriving Declines as Job Market Pessimism Grows” from GallupWe love hearing from you. Leave us a voicemail at 508-U-B-SMART or email makemesmart@marketplace.org.

From setting interest rates to keeping inflation in check, the Federal Reserve sits at the center of some of the most important economic decisions shaping our daily lives. As the Fed prepares for new leadership, following the tenure of Jerome Powell, many are wondering: What's next for the Fed, especially when it comes to their financial decisions and their independence? We spoke with Prof. Douglas Diamond, the Nobel Prize-winning economist of the University of Chicago, in order to explain the Fed's crucial role in our financial system—and why it matters so much for our future. Renowned as one of the founders of modern banking theory, Diamond has conducted groundbreaking research on banking, particularly during financial crises. He described the lessons we can learn from past bank runs, including the 2023 collapse of Silicon Valley Bank, and warns that we must remain on guard to help prevent the next financial crisis from happening. Follow Big Brains: LinkedIn: https://www.linkedin.com/showcase/big-brains-podcast/ X: https://x.com/BigBrainsUC Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Did Americans really get a tax cut — or just a hidden tax hike through tariffs? This breakdown explains how Trump's tariff policies may have wiped out the savings from his “Big Beautiful Bill,” according to data from the Congressional Budget Office, the Federal Reserve Bank of New York, and the Joint Committee on Taxation. From consumer prices to corporate costs, Chris dives into the math behind tariffs, taxes, and why history shows voters rarely reward tariff-heavy economic policies.

It's the Beigie awards! Our less than ten times a year salute to the art and science of telling stories about the economy. Today on the show, Kevin Dancy, vice president and regional executive at the Federal Reserve Bank of Atlanta, lays out a worrying consumer trend that's affecting how retailers do business.Come see Planet Money live on stage! 12 cities. Details and tix here: planetmoneybook.com/#tourThe Indicator has a weekly newsletter! Be among the first and sign-up now: npr.org/indicatornewsletterRelated episodes: A little doomsday feeling is weighing on the economyHow to beach on a budgetFor sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

April, 25 2026, 9 AM; Instead of a comedian, this year's dinner will feature mentalist Oz Pearlman, who is known for his mind-reading tricks that have made him a viral sensation. Pearlman could give us a glimpse into what is on the mind of not only the journalists in the room, but maybe President Trump himself. He joins "The Weekend" to discuss the White House Correspondents' Dinner and to show off a few of his tricks  For more, follow us on social media: Bluesky: @theweekendmsnow.bsky.social Instagram: @theweekendmsnow TikTok: @theweekendmsnow To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dennis Lockhart, former president and CEO of the Federal Reserve Bank of Atlanta, talks about his impressions on incoming Fed Chair Kevin Warsh. He believes Warsh will face a challenging environment with pressure from the White House and American consumers to lower rates even as inflation remains persistent. Dennis believes politics need to stay out of the FOMC. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

New data from the Federal Reserve Bank of New York shows Americans are feeling less confident about their pay, job opportunities and career mobility. This episode breaks down the latest labor market trends and what they could signal for the economy. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This edition of On The Record highlights Amy Goodman of Democracy Now and Mike Figueredo of the Humanist Report. Max Notes digs into the economic weeds to make sense of how the war in Iran is going to shake out. Plus: Chart of the Week and headlines from the Jacobin, Truthdig and Progressive Magazine. Chapters Intro: 00:01:35 Max Notes: 00:09:34 Killer Left Take of the Week: 00:19:15 Chart of the Week: 00:21:08 Headlines: 00:22:22 Outro: 00:23:33 Resources Steal This Story, Please! Federal Reserve Bank of San Francisco: The Effects of Tariffs on the Components of Inflation Federal Reserve Bank of St. Louis: U.S. Import Price Dynamics Following the 2025 Tariffs Jacobin: Viktor Orbán’s Hungarian Model Has Collapsed Truthdig: The Democrats and Discontent The Progressive: Israel Targets Civilians as Lebanon Operations Expand Clips PBS Hour: Sen. Kaine questions OMB chief Vought in Trump budget hearing The Humanist Report: Trump’s Biggest Meatriders Finally Admit He’s as Bad as Everyone Said He Was UNFTR Resources Become a Member UNFTR’s 5 Non-Negotiables Essay: Trump Is Ruining the U.S. Economy. -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, and Instagram at @UNFTRpod. Visit us online at unftr.com. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibility.Support the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.

Dr. Kevin Walters, president of Allan Hancock College, discusses why the Integrated Postsecondary Education Data System (IPEDS) metrics miss the real story of community college students. He shares a clearer way using the Federal Reserve Bank of Richmond data to count success that includes transfers, certificates, persistence, and the systems that help more students finish. He also unpacks strategies that have increased student success at the college. Key points:• Dr. Walters' path from first-generation student to community college president• Why IPEDS graduation rates miscount community college outcomes and why the Federal Reserve Bank of Richmond data is more accurate• Using outcome data to spark better teaching, retention, and counseling• What unit load reveals about momentum and time-to-completion• Promise scholarships that incentivize full-time attendance• Auto-generated comprehensive education plans as part of guided pathways• Performance-based funding focused on outcomes rather than rates• Building a student-centered culture through stable leadership and teams• Equity gains when completion efforts match the community's demographics• Expanding local access through Cal Poly degree offerings on the Hancock campus• Practical take on A.I., classroom assessment, and workforce readiness"The most exciting piece of the Richmond Fed data [as opposed to IPEDS) is our success rate is 41%. If you take that, of students that transferred, students that got a degree, students that are still there, students that got a certificate, 41% of those students. Keeping in mind that some of those students had no intention of pursuing a degree, but they were there for the first time. So 41%, that's way better than the IPEDS number--that's down in the 20% range. But it also shows we can improve." - Dr. Kevin WalthersContinuous Learning Institute:A resource hub for higher education professionals to support college student success. Subscribe for updates.Student Success Podcast Homepage:Access show notes, resources, & transcripts

Bloomberg Opinion columnist and former President of the Federal Reserve Bank of New York Bill Dudley says people would be upset if Fed Chair Jerome Powell was fired and he says Kevin Warsh, President Donald Trump's nominee to replace him, has to win the "hearts and minds" of FOMC members to prove he can be independent. Dudley speaks on "Bloomberg Surveillance."See omnystudio.com/listener for privacy information.

Surekha Carpenter and Bethany Greene discuss the connections between the health of workers and the health of labor markets in rural communities. Carpenter is a senior research analyst and Greene is a regional economist, both at the Federal Reserve Bank of Richmond. Full transcript and related links: https://www.richmondfed.org/podcasts/speaking_of_the_economy/2026/speaking_2026_04_15_rural_health_employment

Keith explores how long-running social and economic shifts are redefining the American Dream—especially for younger adults who are putting off milestones like moving out, starting families, and buying homes.  He connects these trends to today's housing scarcity, elongated renter stage, and what that means for long-term rental demand and real estate investors. Keith also zooms out to place the current moment in the sweep of American history, then welcomes Redfin Chief Economist Dr. Daryl Fairweather for a data-driven conversation on affordability, supply constraints, renting versus owning, and how demographic changes could shape the next wave of opportunities in both ownership and rental markets. Episode Page: GetRichEducation.com/601 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, learn just how far behind today's 30 year olds are then American history by decade as the nation approaches its 250th birthday. Finally, a conversation about what's next for the housing market with Redfin's chief economist Darrell fairweather today on get rich education.   Corey Coates  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android. Listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:10   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:44   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to get rich Education. I'm your host. Keith Weinhold, the voice of real estate investing since 2014 almost nobody talks about a really important story going on in America today. And I find this really astonishing. I mean, you could almost never think of America the same way again, as you'll hear while you've got these other headlines out there, constantly sucking oxygen out of the room, like decisions from the White House and inflation and wars. One big story. It moves so slowly that it kind of creeps up on you. It is the jaw dropping change in American society over the last 40 years. And then we'll discuss its seismic changes for real estate. And this is sourced from a Census Bureau supplement. It's about how fewer us adults reach typical life milestones by age 30, and this is partly because more adults opt for college than in previous generations. Oh, well, college doesn't sound like such a bad thing. I'll get to that. And by the way, 30 is an age that has come and gone for me, so I've lived through it. We're looking at a period from 1985 to 2025 so 40 years first, it's those that live on their own. In 1985 it was 83% today it's just 67% so then the percentage that don't live on their own and probably live with their parents or roommates, that has doubled. You see even more drastic declines for other milestones since 1985 those that have ever married from 77% down to 45% those that live with a child and the responsibility that this entails that's fallen from 59% down to 36% and those that own a home 48 down to 29% and again, this is for all 30 year olds since 1985 this steady, sliding, relentless decline of those who live on their own, are married, have a child, or own a home, is pretty stunning, and this is inside the most powerful nation on Earth. And here's the thing, this pattern from about 40 years ago, it unabatedly crosses through booms and busts and bubbles and bailouts, sort of like it didn't even notice those things. Somewhat ironically, what's grown during this time is the percentage that have a bachelor's degree. It's gone from 25 up to 43% so therefore, here we. Are. We've got this generation that's better educated than ever, and yet more of them are stuck down on the launch pad. It's like we built better rockets yet we can't light the fuse. And before I help you make sense of this and tell you what I believe the main force behind it to be, you just got to consider what an unfathomable aberration this has all become. At age 25 James Madison was the key architect of the US Constitution. A lot of constitution signers were in their 20s and 30s. At age 21 Steve Jobs started Apple in a garage at 20 Bill Gates co founded Microsoft at 19 Mark Zuckerberg built Facebook in a dorm room. And sure, some of these are exceptional examples, but these people committed early, and then they figured it out on the fly.   Keith Weinhold  5:59   Well, what about women? The US birth rate has hit an all time record low, because today, nearly half of 30 year old women are still child free. Okay, so some of this is logical. You can connect a few dots here more time in school, yeah, all right, that means later marriages and later kids. Sure, student debt that equals financial Gravity Boots that keep you in place. Urban living means smaller spaces. But when you stack all this together, like I just laid out later, it's not just later anymore. It is really later. That is the huge change that really startles you when you put all of this together and again, remember, over this same time span, 1985 to today, I've mentioned before how the average age of the first time homebuyer has ballooned from 29 up to 40. I mean 40 that can really take some time to sink in. And again, that's just the average in high cost housing areas. This number could be 45 or higher. I mean, sheesh, the starter home is now like a midlife purchase, and it's made right around the time that your back starts to make decisions for you, consider where we are here now, the term home ownership that is increasingly linked to older people. Those things home ownership and older people are increasingly synonymous terms. Now, owning a home, it's like a luxury good for the already established. I mean, it is pretty jaw dropping. And one contributor to these friends is the lack of available housing supply, still a 60 to 70% collapse in some populous northeast states, but really something like that. That's just a small thing. When you amalgamate it all together, it's become cultural really. The bigger trend that underlies this decline in meeting life milestones at age 30 is that long term true inflation exceeds wage increases over the decades, but there are big social shifts too. And by the way, I left my parents home for good at age 23 and some surely do so younger than I did marriage and children, they are the classic triggers to buy a house, and the longer that these type of milestones get postponed, the more likely people are to favor then flexibility over committing to a mortgage, and this then means that there is an elongated renter stage of life. Renters are no longer just passing through they're no longer just graduated from college, renting a year or two and then buying a home. Instead, they are planting flags and really pounding in stakes. And there are countless surveys that show that renters value the ability of being able to relocate without the hassle of having to sell a house. And on top of all of these trends as America ages overall, something really interesting starts to happen. This is why single family rentals have really begun to shine over the past few years, and why you had this Advent and popularity of new build and build to rent rental properties coming onto the market because single families give people the feeling of home and space and privacy and a backyard for the dog, but yet at the same time, it's commitment light, a lighter version. Now apartments benefit too, of course, and for investors, this isn't just. The trend, this is a long term tailwind, fewer life transitions. It means more stable occupancy and longer renter life cycles that lead to fewer turnovers and vacancies and repairs, so less churn, more consistency and better predictability. So the bottom line here is that this delay of life milestones, it's not subtle. It is pretty seismic, and increasingly people say that the American dream no longer even includes home ownership. Demography is destiny, and they must rent from you. And here at GRE we invest like these trends are real, but I really want to emphasize that this elongated renter stage of life really is a long term, long tail phenomenon. And I want to emphasize that because, like I said last week, in the short term, we really aren't seeing any significant rent increases due to that affordability constraint. Now we're nearly five years after America had a big wave of consumer inflation, and that really hurt kind of people this age that I'm talking about, people in their 20s and 30s, that really hurt them the most because they don't own assets that compound with the concurrent asset price inflation, they only had to deal with the bad stuff, the consumer price inflation.    Keith Weinhold  11:30   And as America approaches its 250th birthday, let's think about how this era compares to other decades. And by the way, do you know what a 250th anniversary is called? I put a line about this in my newsletter that I sent you the other day. It is called a semiquincentennial, or, I guess, semi quincentennial. I don't think that anyone's going to be using that word after the fireworks. Semiquincentennial. That sounds like a word that an Economic Committee came up with during a recession to kind of mask a worse problem or something. I suppose that the etymology makes sense. If you break it down, quincentennial would be 500 and semi would be half of 500 in any case, as you try to compare this American era to others, listen to this from the parallel truth. This is about three minutes long, and then I'll come back to comment. It's America by decade, starting all the way back in the 1770s This is a decent summary here, although it can get unnecessarily gloomy at times.   Speaker 2  12:41   Imagine you could live in the United States one decade at a time, not the America you see in movies, not the America in textbooks, but the real America. Let's start with the 1770s the decade of independence. This is not a freedom story, yet. It's a war story. Most people are farmers, roads are mud, medicine is almost nothing. And if you're a young man, your future is simple, fight or starve. Then came the 1800s The decade of expansion. America is still small, but it's hungry, new land, new states, New promises, but there is also growing slavery. Native tribes are being pushed out, and the country is quietly building a conflict it can't avoid. Now it's the 1860s the decade America almost died. There is civil war, Brother versus brother. Cities are burning. If you lived here, you didn't watch history, you survived it. Next is the 1900s The decade of industrial America, factories, railroads, steel, oil. The country becomes a machine. Cities explode with workers, but life is brutal, long hours, dirty air, child labor, you might earn money, but you will pay with your health. It's the 1920s now, the decade of jazz and madness. This is America's first big party decade, cars, radio, Hollywood. Everyone thinks the future is unstoppable. Then came the 1930s the decade the party ended. The Great Depression happens, banks collapse and jobs disappear. People line up for bread. A man with a suit could be broke in one week. This decade teaches America one lesson, that money is not real until it's in your hand. It's the 1940s now the decade America became the world's boss. World War Two turns the US into the world's factory. While Europe is burning, America is building. And when the war ends, America comes out richer than anyone in history. It's the 1950s the decade of the American dream, suburbs, big houses, one salary supports a whole family, TV dinners, new cars, new highways. This is the decade America sells the world the idea of perfect life. Next came 1960s the decade of rebellion, civil rights, Vietnam assassinations, the country feels like it's splitting. You could be hopeful or terrified, sometimes both in the same week, 1970s was the decade the system started breaking, oil crisis, inflation, crime rate, and in 1971 America quietly changes money forever. The dollar stops being backed by gold. From this point onward, America runs on trust. It. The 1980s the decade of Wall Street, America, big business, big spending. The stock market becomes religion. America looks confident again, but the middle class starts weakening slowly. Then came the 1990s the decade America felt unstoppable. The Soviet Union has collapsed and the US feels untouchable. The internet is born. This is the decade where Americans truly believe that they have won. It's the 2000s now the decade of shock, 911, wars, fear, surveillance, then 2008 hits, banks crash, housing collapses, and America learns something painful. The people who caused the crisis don't pay for it. It's the 2000s and 10s, the decade of the digital trap. Social media becomes reality, politics becomes war. Everyone is online, but nobody feels connected. The economy recovers, but normal people don't. And finally, it's the 2020s. The decade, chaos became normal. Pandemic changes everything. Supply chains are collapsing, inflation returns, AI arrives and trust collapses. And by 2026 America is still rich, but it feels exhausted. People are working harder, owning less, and trusting nobody. And the strangest part is that America didn't collapse. It just slowly became a different country, not through invasion, not through revolution, but through decades of small changes that added up to a completely new reality. So the real question is, if you could choose one decade to live in? Which one would you pick?   Keith Weinhold  16:22    Yeah, which decade would you pick to live in? A lot of people say the 1950s where we had, like they touched on there the post war boom and how one salary could support an entire household. Some people say the 1990s because the Cold War ended, we had the start of Wide Internet use, and it's before you had these stark political divisions where people started to put party ahead of country. Now some people would probably say, Are you kidding me? I'd rather live in this decade right here. I can work from home more easily than I ever could have before. And I think you can make valid cases for all of those things. And speaking of this era, a quarter just ended, and we do this quarterly at most. It's our asset class rundown. Year over year, national home prices are only up about half of 1% per the nar 1% Case Shiller and totality, single family rent index shows just 1.3% rent growth. That's year over year. This quarter, the s, p5 100 was down 5% stocks of all types are down largely to the Iran war. The yield on the 10 year treasury note rose from 4.1 up to 4.3% due to higher inflation expectations. Why does that matter so much? That's what influences 30 year mortgage rates, which also rose from 6.2 up to 6.5% West Texas Intermediate oil prices soared from 59 bucks to over 100 last quarter. Gold hit an all time high of 5400 bucks in the quarter, and then fell to about 4600 by the end of the quarter. Other precious metals hit their all time peak. Bitcoin fell from 88k down to 68k That's the asset class rundown. I'll return with Redfin's chief economist, Dr Darrell fairweather and more. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:18   Let me throw out a simple idea. Sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day. Housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine alignment before moving forward. While past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call@freedomfamilyinvestments.com or text family to 66 866, text the word family to 66 866,    Keith Weinhold  19:41   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now. Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Robert Helms  20:16   Everybody. It's Robert Helms of the real estate guys radio program, so glad you found Keith Weinhold and get rich education, don't quit your Daydream.   Keith Weinhold  20:35   This week's guest is the chief economist of Redfin during the housing crisis. She worked at the Boston Fed, studying why homeowners enter foreclosure. Since 2023 she served at the Federal Reserve Bank of Dallas. She holds her BS from MIT, and she really knows her way around campuses, because she received her Master's and PhD in Economics at the University of Chicago, where she specialized in behavioral economics, that's interesting. Welcome to GRE. Darrell fairweather,   Daryl Fairweather  21:06   thank you for having me.    Keith Weinhold  21:08   Hey, Daryl. I'd like to get to some of the statistics later in the things that Redfin does and compiles, but tell us about the behavioral side of the housing market that's often so interesting and evencounterintuitive   Daryl Fairweather  21:22   yeah, one of the most interesting things about the housing market is that people get really emotional when making this huge financial decision. It's something that people don't have a lot of practice with. Most people maybe buy a home once or twice in their whole life. There's so much social weight that's put on it. It's the American dream. There's a lot of family pressure, and there's a lot of hurting behavior that can happen. People get swept up in the moment. Maybe they overbid on a home, or maybe they miss out because other people are avoiding the housing market. So it's a really interesting place to both study psychology and economics.   Keith Weinhold  21:56   Sure, most homeowners are just inexperienced at this whole thing. Yeah, behavioral economics, it really has this strong gravity in real estate. Maybe something that you've said touches on what I call the Zestimate illusion. A lot of times, sellers anchor their price to not just the Zillow estimate, but sometimes even the peak sale price in the whole neighborhood, and that's what they think that they should get for their home?   Daryl Fairweather  22:21   Yeah, that does happen quite a bit. And I don't think a lot of people realize how much those estimates can move once a home is listed. The list price tends to move that estimate quite a lot. So it's not a fact. And those estimates don't really know many details about the home, like what upgrades might have happened, or what internally is happening within the home, like if people have gotten new appliances or gotten a new air conditioning system, it doesn't really take those things into account. So you shouldn't just anchor off of the Redfin estimate. You should definitely talk to an agent. Look at the comps. The comps can tell you a lot in terms of what homes have sold for recently, and then track your local market in terms of whether it is going up in value or down in value, because those comps might be a little bit stale, and you have to adjust for where the market is right now.   Keith Weinhold  23:06   There's some really good points there. And when I think of the behavioral side of economics in the real estate market, another nascent thing that comes to mind Darrell, is the rate shock paralysis that really set in in America in 2022 mortgage rates are still historically on the low side. But few people think about it that way. They're really swayed by the recency bias   Daryl Fairweather  23:31   yes. And one thing to take into account, though, is how much home prices have gone up since the last time rates were this high. So if you're looking at the monthly mortgage payment and how much that is compared to people's monthly incomes, it is quite expensive to buy a home. In most metros, you cannot afford to buy a home on the local median income. There's only maybe four metros that are in the middle of the country where it's still affordable to buy a home on a middle class salary. So combined the rate and the price those mortgage payments are still quite expensive, although they have gotten slightly more affordable since last year because rates are slightly lower than last year, they did come up a bit with, you know, oil prices coming up, but still, compared to last year, rates are a bit lower and a bit more affordable to get a home.   Keith Weinhold  24:13   And of course, all this is besides the point that those 2021, mortgage rates, they were born out of a collapsing economy, and I don't think that we really want that either. But yes, to your point about affordability, that's been such a buzzword in the housing market for quite a while, and for good reason. It wasn't very long ago that we reached a 40 year low in affordability. Can you tell us about what can improve affordability next? Darrell or what's most likely to happen? For example, it seems like insurance rate increases have really leveled off.   Daryl Fairweather  24:50   Yes, the reason why affordability is so bad, especially in coastal cities, the places that have the most opportunities, is because of a lack of supply. Existing homeowners, they are fine. They like when their home goes up in value, but it really is a problem for first time homebuyers, when prices just keep climbing and when new housing gets proposed, it's often the existing homeowners who are blocking that housing from getting built, and so supply is constrained. You can see this very clearly in a place like San Francisco, which had a huge economic boom in the 2010s yet housing did not keep up with all of the job opportunities that were coming to the area, and when you have all these people moving in with higher incomes, it drives up prices when there isn't adequate supply. You take Austin as another example. Austin had a huge boom during the pandemic, but supply responded. Builders built, there was a lot of development that happened, and as a result, prices came right back down. They're still above where they were pre pandemic, but nowhere near the heights that we saw back in 2021 so it just goes to show that when you allow supply to get built, it does help keep prices more moderate and keep things more affordable.   Keith Weinhold  25:59   Yes, and nimbyism is rampant, is consumer inflation or some of the other big forces out there, for sure, but yes, this national dearth of supply something that's existed even well before the pandemic, for example, it's bounced back somewhat, but still not quite enough, and it's really part of what, in my opinion, has helped support housing prices, even when mortgage rates tripled back in 2022 Can you tell us more what you believe about the future of housing supply with all the data that you do with there at Redfin Daryl,   Daryl Fairweather  26:37   housing supply improved a bit during the pandemic, but we're still far below What we need in order to make housing more accessible to middle class people. But there are new challenges that are coming. One that you mentioned is insurance. Insurance costs are going up. So even if you have a fixed rate mortgage and you've locked that in, you still have to worry about the rising cost of ownership because of insurance costs are going up. Property taxes are going up in many places, and maintenance costs are increasing. So that is going to make home ownership, and just the cost of ownership in general, whether you're an investor or an owner occupant, more expensive moving forward. And that's going to vary depending on where you are. There going to be some parts of the country where insurance goes up much faster, like in Florida, and other parts where insurance will probably be more stable like in the Midwest and Great Lakes region. So it's important now even more so to really research the neighborhood, research the home, and figure out how those expenses could increase in the future.   Keith Weinhold  27:32   Yeah, here we are in this housing market where, you know, Darrell, I think of it in a lot of ways, is, you know, maybe for three years now, we've largely been stuck in the mud, much of it due to lower supply, where we have a lower overall proportion of both buyers and sellers.   Daryl Fairweather  27:48   Yeah, what's happening right now is really an hangover from the pandemic, because so many people locked in 3% mortgage rates during the pandemic, and if those homeowners were to sell and buy again. Even if they bought the same priced home, they would end up paying more in their monthly mortgage payment because of how much higher mortgage rates are, and that's holding back supply quite significantly. It's the reason why prices have not come down despite rates going up, is because the higher rates are holding back both demand and supply at the same time, and contributing to the overall lack of inventory that's out there,   Keith Weinhold  28:24   this aberration where we have a big proportion of American homeowners living in homes where if they tried to repurchase that home at today's terms, they couldn't even do it. To your point about people not wanting to move, and that's a big reason why they almost can't. They might pay more in rent elsewhere for a like property if they were to sell what they own, if those still locked in terms and Darrell here, I think, you know, our audience is largely real estate investors, a lot of them investing in one to four unit properties. So with what you're seeing there at Redfin. And I think a lot of us know that, yeah, rent growth has been pretty slow as well. What do you see for rents in 2026 and perhaps 2027   Daryl Fairweather  29:08   originally, when we went to go do our predictions for 2026 we said that rents were going to increase this year. Now, I think that rents will continue to stay flat, and that's because there's still a lack of demand for for sale housing. People are staying in the rental market, but people are overall tightening their budgets because they're worried about the economy. They're worried about inflation. So if they can, you know, get roommates or live with family, they're going to choose to do that to keep their overall expenses lower, which will reduce demand for both for sale housing and for rental housing. And I think a lot of home sellers, they've tried to sell their homes. We saw many people try to sell their homes last year and then end up delisting their homes, and they're trying again. We saw more of those people come back in January, but I think those people are going to continue to kind of try to test the market, be a bit disappointed that there isn't enough demand, and then some of. Up for sale housing will end up as rental housing. Just driving around my neighborhood, I see so many rental signs on single family homes that I never saw before, almost more for rent signs, and I'm seeing for sale signs, so that added inventory from these accidental landlords who would like to move but don't want to give up their mortgage rate is going to increase the supply of single family rentals, and that will mean more competition for those investors that are trying to rent out the homes.   Keith Weinhold  30:27   Talk to us about rental occupancy. That's something that we're seeing at a historic low in apartment buildings, for one thing. But can you talk to us about what you see for future occupancy levels of both residential one to fours and apartments. Going forward,   Daryl Fairweather  30:43   a lot of new supply came online during the pandemic, especially in places that build a lot of condos. Many one bedroom or zero bedroom condos got built, and then those are really difficult to rent out, because, you know, they're just not that attractive. We really have more of a shortage of types of housing that's appropriate for families and those one bedroom units that are really targeted at like affluent young people. There aren't that many affluent people right now, so they're they're difficult to rent out. I think that trend is pretty much over. We're not seeing too many more condos being developed because the condos that were developed during the pandemic are still having trouble finding owners or finding renters in those apartment buildings. Now, I think we're going to start to see an uptick in single family rental vacancy, because I think a lot of those people who would like to sell their homes are having trouble selling their homes because of how mortgage rates are and how skittish people are about making a commitment to ownership right now, and they're going to alternatively try to rent out those and that will mean more availability of those rentals and not as much pressure on rents to go up in that segment of the market.   Keith Weinhold  31:51   Woe for the builder that targeted young, affluent types, they don't really exist so much anymore. That's really pretty interesting. Well, Darrell, do you have any last thoughts overall about the housing market? Maybe something I didn't think about asking you that's really important, whether that's for an investor or a prospective homeowner.    Daryl Fairweather  32:12   Yeah, I think if I was an investor right now, I would be paying attention to what economists and housing people call the silver tsunami that's older generations starting to sell their homes. We did a study recently that showed that people who are 70 years and above have as much wealth and housing as middle aged people, which is the first time that group has exceeded in terms of the wealth that they hold. And if you're 70 plus, there's definitely a clock ticking on how long you're going to stay in that home, which means that a lot of new inventory will become available in those homes. They probably need work. They probably need some renovations, and that could be a really great opportunity for an investor to buy a home that maybe has been neglected for a while because it's been a senior living in there who hasn't been really keeping it up to date. You can renovate it and perhaps sell it again to a younger buyer by doing some updates and make a nice profit there.    Speaker 3  33:03   Oh, well, Daryl, this has been a great update laced with plenty of practical things that someone can actually do. Do you have a resource you'd like to share in case our audience would like to connect?   Daryl Fairweather  33:16   Yes, you can find me basically on any social media channel. I'd recommend checking you out on YouTube to start. And then if you would like data on what's happening in your local housing market, you can check out the Redfin data center. Just Google Redfin data center, it'll bring you right there. And you can find lots of local data on your market,   Keith Weinhold  33:34   Daryl Fairweather. It's been great having you here on the show.   Daryl Fairweather  33:37    Thank you.   Keith Weinhold  33:44   Yeah, insightful material from Dr Darrell fairweather today, no end to the housing scarcity in sight. She says, rents continue to stay flat, partly due to this accidental landlord. They didn't plan to be a landlord, but they need to move and yet they don't want to sell the single family home that they got with a good owner occupied financing a few years ago. And the reason that's a headwind for single family investors, because it keeps more rental supply on the market. Last week, I touched on how you should not expect rent increases in the near term, I own a lot of single family rentals myself, and I am not getting rent increases. It's not so much that single family vacancies are high now, but apartment building vacancies are high. That fact alone that actually does hurt the single family rental market a little, because even though a renter might desire a single family, and maybe you think, Well, an apartment couldn't compete with that feeling. But yet, if an apartment is so much cheaper than the single family, and they often are now, well then that renter will go for the cheap apartment instead the one. You can think of Redfin is that they're part Zillow, part real estate agent, and part data company, and they can give you early signals on things like buyer demand and price direction and days on market, those types of indicators. So for the latest housing market research and news, you can do a search for the Redfin data center, and then for Daryl, start on YouTube. You can follow her on x at fairweather PhD, thanks to Dr Darrell fairweather today, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  35:36   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively to   Keith Weinhold  35:56   the preceding program was brought to you by your home for wealth, building, get richeducation.com  

On this week's Defense & Aerospace Report Business Roundtable, sponsored by Bell, Dr. “Rocket” Ron Epstein of Bank of America Securities, Sash Tusa of the independent equity research firm Agency Partners and Richard Aboulafia of the AeroDynamic advisory consultancy join host Vago Muradian to discuss another up week on Wall Street after President Trump announced a two-week ceasefire in the US-Israel war on Iran and how the president's Sunday announcement after US-Iran talks failed that America would blockade the Strait of Hormuz will impact energy markets and commercial transport; the administration's stance — right after the ceasefire — that it would reduce its supplemental request from 240 billion to $100 billion; Trump's renewed criticism of NATO during a meeting with Secretary General Mark Rutte; France's decision to withdraw the last 129 tons of gold from the Federal Reserve Bank of New York as part of an 18-month strategy to reduce reliance on the dollar; Italian Prime Minister Georgia Meloni's decision to replace Leonardo CEO Roberto Cingolani with the company's former chief commercial officer, Lorenzo Mariani; Trump's Palantir tweet; and NASA's successful Artemis II mission to the moon.

This week's data offered a familiar tension: reassuring headlines paired with more concerning underlying dynamics. The latest employment report appeared strong at first glance. Payrolls exceeded expectations and the unemployment rate declined. Yet the details tell a different story. Research from the Federal Reserve Bank of San Francisco suggests that unusually warm weather materially distorted the data, implying that payrolls may in fact have fallen by roughly 79,000 rather than rising by 178,000. If accurate, that would mark the largest weather-related divergence in the series since 2015. The unemployment rate, too, deserves skepticism. Both employment and labor force participation declined. The drop in the unemployment rate was therefore less a sign of labor market strength than a reflection of arithmetic: the labor force shrank faster than unemployment itself. It is a softer dynamic than the headline suggests, and one that aligns with your broader theme of a labor market losing underlying momentum. The inflation side of the ledger was equally uncomfortable. The latest Personal Consumption Expenditures report from the Bureau of Economic Analysis showed real disposable personal income slipping by 0.1 percent, even as both headline and core PCE rose by 0.4 percent month over month. In other words, purchasing power is being squeezed at the same time that inflation remains firm. That combination is rarely benign. Layered on top of this is the geopolitical backdrop. The conflict in Iran continues to inject uncertainty into energy markets and, by extension, inflation expectations. Oil's volatility is not just a market story; it feeds directly into the policy dilemma facing the Federal Reserve, which must weigh persistent inflation pressures against signs of a softening economy. Taken together, the picture is not one of resilience but of fragility. Strong headlines are masking weaker foundations, while inflation remains uncomfortably elevated. It is precisely the kind of environment in which markets begin to question the narrative rather than accept it.

After threatening massive attacks on civilian and energy infrastructure, Donald Trump is agreeing to a ceasefire to end the war in Iran.On Tuesday morning, the president posted on social media that “an entire civilization will die tonight, never to be brought back again,” referring to his Tuesday night deadline for Iran to reopen the Strait of Hormuz for trade.Tuesday evening, the president extended that deadline and agreed to a two-week pause in fighting, writing in a social media post that his decision is based on conversations with Pakistan army chief and its prime minister, Shehbaz Sharif.Iran's foreign minister, Abbas Araghchi, said ships will be able to pass through the strait for the next two weeks in compliance with the ceasefire. Araghchi also said Iran will stop military attacks as long as it is not attacked.Plus – hiring in most of the country is at a virtual standstill. That's according to the most recent labor market figures from the Bureau of Labor Statistics.The hiring rate fell to 3.1 percent in February. That's the lowest since April 2020, when the pandemic shuttered many businesses. Job openings also dropped over by the hundreds of thousands compared to January.Those losses are being felt most by young people. According to an analysis by the Federal Reserve Bank of New York, the unemployment rate for college grads reached 5.6 percent last year, outpacing the national rate of 4.2. And a November report by the Stanford Digital Economy Lab shows a “substantial decline” in job openings for early career workers in fields most vulnerable to artificial intelligence.So, how are Americans feeling about the current job market? And how could U.S. and Israel's war in Iran make a chilly jobs market even colder?Find more of our programs online. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a.To manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

For the 200th episode of Speaking of the Economy, four economists at the Federal Reserve Bank of Richmond share their current research and how that work connects with the Fed's mission: Nicholas Trachter on the growth in firm size, Urvi Neelakantan on the relationship between going to college and investing in the stock market, Russell Wong on the impact of AI on employment, and Horacio Sapriza on the ability of central bank communications to stabilize financial markets.  Full transcript and related links: https://www.richmondfed.org/podcasts/speaking_of_the_economy/2026/speaking_2026_04_08_what_are_you_working_on

Oil prices are hovering near $100 a barrel and it's raising new questions for the Federal Reserve as it tries to navigate between high inflation and a cooling job market. Chair Jerome Powell said last week the central bank is taking a "wait and see" approach. Geoff Bennett discussed what it means for the economy with Austan Goolsbee of the Federal Reserve Bank of Chicago. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

This week, Jason is joined by one of the most influential voices in American economics — Austan Goolsbee, President and CEO of the Federal Reserve Bank of Chicago!In a rare and time-sensitive episode, Jason goes straight to the source on what's happening in the economy right now — so timely, in fact, the Fed required the episode to be released before their next meeting. Austan breaks down what the Federal Reserve actually does (and what it doesn't), why Chicago has its own Fed, and how monetary policy decisions get made behind the scenes — from interest rates and inflation to employment and consumer spending.Austan also opens up about his path from University of Chicago professor to the White House, including how a personal connection with Barack Obama turned into a front-row seat during one of the most intense economic moments in modern history. He shares what surprised him most about policymaking in Washington, the pressure of making massive decisions with limited information, and why having diverse perspectives — your own “personal board of directors” — matters more than people realize.They get into why consumers still feel crushed by prices even when inflation cools, what's driving the strength of the economy, and why housing affordability may be the biggest long-term issue facing younger generations. Austan even reveals what he considers the ultimate trading secret — and why, despite everything that can go wrong in the world, long-term investing has historically rewarded patience and belief in human innovation.Austan reveals all this and more in another episode you can't afford to miss!Host: Jason TartickCo-Host: David ArduinAudio: John GurneyGuest: Corporate Bro Ross PomerantzStay connected with the Trading Secrets Podcast! Instagram: @tradingsecretspodcast Youtube: Trading SecretsFacebook: Join the GroupPebl hipebl.ai Pebl's AI-powered EOR platform simplifies building and managing teams in 185+ countries, enabling fast, seamless growth across bordersWayfair https://www.wayfair.com/ Wayfair is a leading online home goods and furniture retailer offering millions of products across décor, furniture, and housewares from thousands of global suppliers. It's built a technology-focused e-commerce platform that makes it easy for customers to find and buy items for every space in their home.Square square.com/go/[tradingsecretsSquare is a financial technology platform that provides businesses with point-of-sale systems, payment processing, and tools to manage operations, payroll, and online sales. Originally known for its easy-to-use card readers, Square now offers a full suite of software and services to help businesses run and grow.Rula https://www.rula.com/tradingsecrets Rula is an online mental health care platform that connects people with licensed therapists and psychiatric providers who accept insurance, often with low average copays. It offers flexible online therapy and support tailored to individual, couples, family, and teen needs

Samsung just launched its newest phones, the Galaxy S26 lineup, and wow is it full of Vergecast stories. There's the very cool new Privacy Display, which seems genuinely useful; there's the AI-powered camera, which seems like a disaster waiting to happen; and there's the new agentic AI in Android, which Google and Samsung might be positioned to actually pull off. After talking through all the new stuff, Nilay and David discuss the recent executive shakeup at Xbox, and try to figure out why Microsoft just can't win in games. Finally, in the lightning round, it's time for Brendan Carr is a dummy, some truly remarkable charts, and much more. Further reading: ⁠Samsung Unpacked 2026: live updates from the Galaxy S26 ⁠⁠announcement event ⁠ ⁠Samsung Galaxy S26 and Galaxy S26 Plus hands-on: More of the same ⁠ ⁠Samsung AI photos⁠ ⁠Google Gemini can book an Uber or order food for you with new agentic AI features ⁠⁠Google and Samsung just launched the AI features Apple couldn't with Siri⁠ ⁠I'm super impressed with the Galaxy S26 Ultra's new Privacy Display ⁠ ⁠Samsung announces Galaxy Buds 4 and Buds 4 Pro at Unpacked 2026⁠ ⁠Xbox shakeup: Phil Spencer and Sarah Bond are leaving Microsoft ⁠ ⁠Xbox chief Phil Spencer is leaving Microsoft ⁠ ⁠Read Xbox chief Phil Spencer's memo about leaving Microsoft ⁠ ⁠Sarah Bond is leaving Xbox ⁠ ⁠Read Xbox president Sarah Bond's memo about leaving Microsoft. ⁠ ⁠Inside Microsoft's big Xbox leadership shake-up ⁠ ⁠Read Microsoft gaming CEO Asha Sharma's first memo on the future of Xbox ⁠ ⁠New Microsoft gaming CEO Asha Sharma says “hear you” to complaints about a lack of Xbox exclusives.⁠ ⁠New Xbox CEO: ‘The plan's the plan until it's not the plan.' ⁠ ⁠Microsoft says today's Xbox shake-up doesn't mean game studio layoffs ⁠ ⁠Billions of dollars later and still nobody knows what an Xbox is ⁠ ⁠Chairman Carr Announces Pledge America Campaign⁠ ⁠Does Anthropic think Claude is alive? Define ‘alive'⁠ ⁠Federal Reserve Bank of Dallas AI Scenarios chart⁠ ⁠Youtube Chair Drama⁠ ⁠OpenAI's Stargate struggles. ⁠ ⁠OpenAI's first ChatGPT gadget could be a smart speaker with a camera ⁠ ⁠Subscribe to The Verge⁠ for unlimited access to ⁠theverge.com⁠, subscriber-exclusive newsletters, and our ⁠ad-free podcast feed⁠.We love hearing from you! Email your questions and thoughts to ⁠vergecast@theverge.com⁠ or call us at 866-VERGE11. Learn more about your ad choices. Visit podcastchoices.com/adchoices