1917: Ask Farnoosh: Invest in Gold? 401(k) Changes? Buying a Home Without Raiding Retirement?

Markets feel jittery, interest rates are in flux, and many listeners are wondering how to plan for 2026 with confidence. In this Ask Farnoosh episode, Farnoosh Torabi breaks down the biggest financial headlines of the week and tackles real listener questions about investing, saving, and navigating major life decisions during uncertain economic times.

Farnoosh starts with a clear, no-nonsense explanation of the Federal Reserve’s latest rate cut and what the split decision inside the Fed signals about inflation, the labor market, and the likelihood of future cuts. She explains why mortgage rates may not move much in the near term, what the Fed’s return to buying Treasury securities really means, and why now is not the time to make big financial moves based solely on headlines.

Next, Farnoosh walks through important 401(k) changes coming in 2026, including higher contribution limits, expanded catch-up contributions for older workers, and increased employer contribution caps. She outlines who benefits most from these changes and shares practical steps listeners can take now to maximize retirement savings and avoid leaving money on the table.

In the mailbag, Farnoosh answers listener questions on:

• Whether gold makes sense as a “safe haven” investment, how to buy it, and how much is too much
• When high-yield online savings accounts are a smart place to park money, especially after receiving an inheritance
• What to do with an old employer’s 401(k) and when rolling it over is the better move
• And one of the toughest questions many first-time buyers face today: whether it’s ever worth tapping a 401(k) to buy a home

Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open!

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