Trump Wanted a Rate Cut & Got It.Do the Fed’s Decisions Impact Retirees?

Описание: Were you under the impression that the Federal Reserve is opaque, boring, irrelevant to your life?

Wrong!

We’re here to make this mysterious economic powerhouse as exciting as the smash Broadway hit musical Hamilton.

In this episode of Java with Josh, we dive into how the Fed came into being, why it was designed as an autonomous check on our economy, and how its historic independence has been key to the long-term stability of our banking system.

This episode is all about Fall Fun and making sure your retirement is secure no matter what Fed Chairman Jerome Powell and his board of governors decide to do. It’s all in the planning!

Financial advisor Josh Bretl and his longtime friend Dave Schmidt break down the Fed in plain, practical language.

From interest rates to reserve requirements, you’ll see exactly how the Fed’s actions can influence retirees, and why your plan should never depend on predicting the Fed’s next move.

We’ll cover:
• The Fed’s role in stabilizing the U.S. economy
• Why raising or lowering rates impacts your retirement income
• What “lender of last resort” really means
• How past Fed chairs like Paul Volcker reshaped financial history
• Why retirees should care about the Fed’s independence
• How to keep your retirement steady no matter what happens next

Of course, this wouldn’t be Java with Josh without some fun. Expect pumpkin spice stories, Big Earl the skeleton riding shotgun, and even hot-dog flavored ice cream. Because retirement planning is serious—but that doesn’t mean it has to be boring.

The nitty gritty of what we cover
00:00 – Welcome back to another special episode of Jw/J! It’s back-to-school and back to frenetic, fun fall activities (yes, that was alliteration, folks!). Find out what’s up!

04:00 – Fun times in Chicago, including the Museum of Ice Cream (how could you go wrong?). Too early for Halloween? Don’t tell Dave, whose sidekick skeleton Big Earl is already riding shotgun around town!

08:30 – Standard disclaimer, late-breaking developments at FSR and what’s up with Java With Josh. (Please subscribe and hit “like” if you want to help boost us in the algorithm!)

13:35 – Are you ready to find out everything you ever wanted to know about the Federal Reserve Board but were afraid to ask? Let’s go!

15:39 – Have you seen the smash hit musical “Hamilton”? There’s a direct connection with the Fed. If you’re scratching your head, here’s how Josh ties it all together.

18:20 – Josh highlights key moments in the history of the Federal Reserve, founded in 1913 to steady what had been a volatile banking system and to respond to major economic challenges.

21:20 – The Federal Reserve regularly takes heat. Is it fair? Here are three key ways their decisions shape our day-to-day and long-term global economy.

24:40 – Josh digs into the trickle-down effects that occur when the Fed lowers interest rates.

26:07 – Name that face! Meet your friendly neighborhood Federal Reserve governors.

26:36 – Why the Federal Reserve’s independence is so important to the stability of our banking system and economy at large. How it all works.

31:00 – About the interplay between interest rates, what’s going on with jobs numbers, a slowdown in our GDP and the stock market’s response to it all.

31:44 – The secret recipe? Making sure that you and your trusted adviser have covered all the fundamentals so that – no matter what the Fed does – your retirement is protected!

35:17 – Byeee!

About this Java with Josh playlist
Java with Josh is the monthly YouTube show where financial advisor Josh Bretl and his longtime friend Dave Schmidt make retirement planning simple, clear, and yes—even fun.

We cover the financial topics that matter most to retirees and pre-retirees, including:
• Retirement income strategies
• Social Security planning
• Taxes in retirement
• Market updates and investing trends
• Healthcare, long-term care, and more

Who is FSR Wealth:
We are tax-focused retirement strategists and partners, delivering a smart, simple plan so you can spend and live with confidence, freedom, and comfort. Our purpose is to help make retirement the best part of your life. With a supportive and authentic team by your side, we turn financial complexity into a clear path—freeing you to focus on what truly matters most.

Standard disclaimer
FSR Wealth Management is a registered investment advisor located in Elmhurst, Illinois. Information and opinions contained in this video have been arrived at by FSR Wealth advisors. All information herein is for informational purposes and should not be construed as investment advice. It does not constitute an offer, a solicitation or recommendation to purchase any security. FSR is not providing legal, tax, accounting, or financial planning advice in this video. These views are as of the date of this publication and are subject to change.