Welcome back to the Weekly Compass. The Big Focus This Week is the Fed's rate decision. This will be announced Wednesday, September 16 at 2:00pm ET. Most people expected a rate cut. But last week's hotter-than-expected inflation data (both the Producer Price Index and Consumer Price Index came in warm) flipped market expectations — pricing now leans toward the Fed actually raising rates instead, which would be the first hike of 2026. Nothing is locked until Wednesday afternoon, but the mood has shifted from "will they cut" to "will they hike," and that alone is worth watching. How Each of The Four ETFs We Talk About Often Reacts Differently: - QQQM (Growth) — the most rate-sensitive of the four. Growth and tech stocks get hit hardest by hike surprises. Expect the biggest swings here Wednesday afternoon. - SPYM (Broad Market) — feels the same pressure, but diversified across many sectors, so the moves are usually less dramatic than QQQM. - SCHD (Income) — dividend-focused stocks can wobble if yields rise broadly, but since a hike has been increasingly "expected" this week, much of the reaction may already be priced in before Wednesday even arrives. - SPAXX (Cash) — the one that actually benefits from a hike. Money market yields would climb even further, making cash relatively more attractive in the short term. As long-term investors, we notice short-term results but are never moved to get in or out of the market as a result. Stay the course!

In this session we ask 3 questions that help you think through options within your reach to increase your income. This is not about a hustle culture or working yourself into the ground. It's about stewardship of the direction you sense from God. We explore possibilities in this session while keeping a healthy balance with our faith journey at the center every step of the way! Most people don't need more time. They need a plan for the time they waste. Make a plan. Do it for a season. Then reassess.