⏱️ millionaireME Minute | Rates Are Finally Pointing Lower 📉

Greetings!

It’s Thursday, December 4th, 2025.

There are 27 days left in the year.

Good news for planners, savers, and strivers:

Fed Funds Futures—the market’s real-time prediction engine—now shows a steady glide path downward for interest rates through 2025 and into 2026.

And when the Fed moves, your money feels it.

🏡 Mortgages Get Cheaper (Slowly)

Lower rates can reopen the housing market and improve refinance math.

👉 Planning move: If a home purchase or refi is on your 2026 radar, conditions may be friendlier ahead.

🚗 Auto Loans & 🎓 Student Loans Ease Up

Car loans and private student loans price off short-term benchmarks.

👉Planning move: Big purchases may come with better financing opportunities next year.

💳 Credit Cards Won’t Help You Much

APR drops will be tiny.

👉Planning move: Paying off revolving card balances right now is one of the highest-return decisions you can make. No Fed meeting can beat guaranteed interest saved.

💰 High-Yield Savings Won’t Stay at 5% Forever

As rates fall, today’s rich yields will drift back toward 3–4%.

👉Planning move: Lock in short-term CDs or start shifting excess cash toward long-term growth.

📅 The Big Takeaway

2025 is the setup.

2026 is the opportunity.

Lower borrowing costs + easing inflation pressure = a chance to reset, rebuild, and reposition your finances for the decade ahead.

millionaireME question of the day:

What would you do differently if borrowing got cheaper and saving paid slightly less—and what can you start doing today to get ahead of that curve?

Follow millionaireME for more wealth (and health) wisdom.

millionaireME | Happy • Healthy • Wealthy • Wise

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