Inflation, Interest Rates, Home Buying, Student Loans - Quarterly Commentary - a podcast by LBW Wealth Management

This is our quarterly commentary for Q4 2021.  Inflation is a hot topic right now.  What's going to happen?  What will the government do?  What does that mean for me?  The U.S.' year-end 2021 inflation is just almost 7%. At 6.9%, inflation will be at its highest in almost forty years.  The Federal Reserve has eyed a faster timetable for raising interest rates this year, potentially in March, in a recent meeting.  What do rising interest rates mean for us?  Generally speaking, when interest rates rise, asset prices go down.  That includes stocks, real estate, bonds, etc.  Tim talked about specifically how that impacts people who are in the market for a home.  Looking back at 2021, there are also things that didn't happen: back-door Roth contributions and stepped-up cost basis didn't get chopped off (phew!); student loans didn't get forgiven (oh well), but they did get deferred again.  As Tim and Nathaniel said, modern human society is a colossal network that consists of differing complex miro-systems.  Not just governments, but billions of individuals' decisions affect the overall network.  We can make it, but only as a whole.  2022, let's treat each other kinder and better!

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