Why Fed Rate Cuts Aren’t Helping Most Americans

The Federal Reserve has signaled that it may reduce the federal funds rate through 2026. As a result, U.S. households could soon see cheaper financing terms for cars, homes, student loans and more. These decisions can also lead to faster asset price increases. Economists say that past Fed decisions continue to disadvantage households that hold their wealth in cash or bonds.

Chapters:
0:00 Introduction
1:19 Chapter 1: Forecasts
3:28 Chapter 2: Asset prices
6:08 Chapter 3: Wealth disparities

Produced and Edited by: Carlos Waters
Additional Editing by: Andrea Miller
Senior Director of Video: Lindsey Jacobson
Graphics: Jason Reginato, Mallory Brangan
Additional Footage: Getty Images, Greater Providence Chamber of Commerce, National Association of Business Economists
Additional Sources: American Investment Council, Bank for International Settlement, Bankrate, BlackRock, Boge, Wybenga & Bradley, Congress, Federal Reserve Bank of Atlanta, Nasdaq, National Association of Realtors, Peter G. Peterson Foundation, University of Chicago, U.S. Bureau of Economic Analysis, U.S. Bureau of Labor Statistics, U.S. Census Bureau, U.S. Department of Housing and Development, U.S. Treasury Department, Vanguard

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Why Fed Rate Cuts Aren’t Helping Most Americans

Post from CNBC on October 28, 2025

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