The Fed Cut Rates - So Why Are Mortgage Rates Rising and Layoffs Surging?

The Fed cut rates… again. And somehow mortgage rates said, “nah, we’re good.” This episode starts where most headlines stop—why markets stopped believing the Fed, why the 10-year Treasury is doing its own thing, and why this might be the last cut anyone feels confident about for a while. We say the quiet part out loud: inflation isn’t dead, liquidity is sneaking back in, and the bond market is signaling something policymakers don’t want to admit yet. Translation: the economy is being held together with optimism and FOMO.

➡️ Then we zoom out to the part no spreadsheet can explain—why people feel broke, burned out, and behind even when they’re “doing everything right.” Layoffs are rising, AI is cutting jobs under the banner of “efficiency,” home prices are slipping, and yet everything still feels more expensive. We talk career minimalism, side hustles, and the realization hitting a lot of Americans: you’re the CEO of your household now, whether you asked for the job or not. The system didn’t break overnight—but it’s asking more from you than it’s giving back.

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🔗 Resources:

Fed Cuts Rates Again, Is Divided Over Future Moves (New York Times)

Mortgage rates are surging ahead of the Fed’s expected rate cut. What gives? (Market Watch)

Home prices go negative for the first time in over 2 years (CNBC)

Where homes are losing value most (Axios)

This year’s layoff total is now highest since the pandemic (Morning Brew via Instagram)

HP to cut about 6,000 jobs by 2028, ramps up AI efforts (CNN Business)

Why The ‘Career Minimalism’ Trend Is Spreading Beyond Gen Z (Forbes)

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