The economy — and life —has changed a lot since.

Because data lags, the current level is uncertain. Plus, key factors like unemployment and the commercial property market are volatile.

The Nerd Wallet survey found many respondents are waiting for lower interest rates before borrowing to buy a car or refinance a loan.

An invitation-only chance to get up close and personal with Chair Jerome Powell.

Despite high prices, “wages are growing faster than inflation,” and families’ purchasing power is growing, he says.

The insulation of the Central Bank from political headwinds helps the U.S. economy run.

A Fed interest rate cut would impact interest rates for consumer debt and savings accounts.

Investors are reminded why its risky to invest with borrowed money. Subscribe to get the “Make Me Smart” newsletter every Friday!

The federal funds rate, set by the Federal Reserve, is just the first layer that goes into determining mortgage rates.

Rates hovered around 7% for a good part of this year.