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4 Strategies When Interest Rates Won’t Drop
Season 2 Episode 22
We’re in year 3 of interest rates being basically 2-4x what they were the prior 3 years. Just this past month, June 2025, Fed Chair Jerome Powell said “For the time being, we are well positioned to wait to learn more about the likely course of the economy before considering any adjustments to our policy stance.” In other words, NO.
At Sonoma Wealth, we plan toward potential futures and outcomes in finance, but also help clients operate under current circumstances. Life doesn't stop for some desired future. If interest rates remain high, how can you adjust? Or even take advantage?
In this INTERESTing episode of It’s All Money, we look at 4 strategies to employ when interest rates won’t drop. What’s the root cause of credit card debt? Are you over your skis on your real estate? Why is now a great time to maximize cash? What assets thrive in the market in a high interest rate environment?
We hope you or someone you may know impacted by interest rates will find this episode helpful!
6:31 What even are “Interest Rates”?
16:33 #1 – Get Your Debt Under Control
23:18 #2 – Be Honest About Real Estate
31:03 #3 – Maximizing Cash
34:40 #4 – What To Do In The Market
Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/
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Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ
References
https://abcnews.go.com/Business/americans-credit-card-debt-reaches-new-record-high/story?id=118788620
https://www.axios.com/2025/03/07/car-loan-payment-delinquencies-record-high
https://www.macrotrends.net/2015/fed-funds-rate-historical-chart
https://www.nerdwallet.com/article/banking/historical-cd-rates
https://apnews.com/article/interest-rates-federal-reserve-trump-inflation-df5b9ac09f0cd283797c6c294a98da9c
https://www.nerdwallet.com/article/finance/data-2023-budgeting-report
https://www.federalreserve.gov/newsevents/testimony/powell20250624a.htm
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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced
Published on 3 months, 4 weeks ago