What the Fed’s Interest-Rate Cuts Mean for Borrowing and Saving Money

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• 00:00

  With record levels of dry powder available for investment,

• 00:03

  find out what's in store for private markets in 2025 and beyond.

• 00:06

  Listen to Crafting Capital in partnership with UBS at partners.wst.com slash UBS, Spotify and Apple Podcast.

• 00:17

  Here's your money briefing for Monday, March 17th.

• 00:20

  I'm Julia Carpenter for the Wall Street Journal.

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  The Federal Reserve started lowering rates back in September.

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  So why haven't many consumers felt the relief yet?

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  So what you're seeing is the Fed is starting to be concerned about the economy.

• 00:35

  So they want to cut interest rates to ease things a little bit.

• 00:39

  However, when they're stringing the economy, that means credit risk goes up.

• 00:43

  We'll talk with WSD reporter Imani Moeuse about how the Fed's rate cuts have and haven't been affecting mortgages,

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  credit cards and savings accounts.

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  That's after the break.

• 01:05

  When the Federal Reserve cuts interest rates,

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  consumers have historically seen the effects ripple through different parts of their financial lives.

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  But lately, those ripple effects aren't as pronounced as they once were.

• 01:16

  Wall Street Journal reporter Imani Moeuse joins me to talk more.

• 01:20

  Imani, people tracking interest rate cuts are presented with a bit of a confusing picture right now.

• 01:25

  The Fed has been lowering rates in September, but consumer borrowing costs have stayed stubbornly high.

• 01:32

  So why is that?

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