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06/23/2026

Is the Fed changing how we measure inflation?

The Federal Reserve's target has long been 2.0% inflation, a goal they have struggled to meet over the last 5 to 6 years. Now, discussions are pointing toward a target shift to 2.9%.

To run parallel with this change, a new task force is looking into modifying the very methodology used to calculate inflation by exploring new data sources and gathering techniques. The stated goal is to give policymakers more accurate, actionable data on the state of the economy.

Do you view these methodological updates as a step toward better accuracy, or a way to normalize higher inflation? Let us know your perspective below.

The U.S. Dollar Index ($DXY) is breaking above 100.69, hitting its highest level since May 2025. This is the first time ...
06/22/2026

The U.S. Dollar Index ($DXY) is breaking above 100.69, hitting its highest level since May 2025. This is the first time in over a year the dollar has broken out of this structural range, completely reshaping the immediate outlook for commodities.

06/20/2026

The May jobs report came in hotter than expected at +172K payrolls. If the labor market is this resilient, the Federal Reserve has very little incentive to cut interest rates anytime soon. In fact, the risk of a rate hike might be back on the table.

The entire U.S. economy on a single quarter. With the U.S. GDP sitting at $31.4 Trillion, the composition of value-added...
06/19/2026

The entire U.S. economy on a single quarter.

With the U.S. GDP sitting at $31.4 Trillion, the composition of value-added by industry reveals some stark realities about what drives economic growth today:

• The Heavy Hitters: Real Estate ($4.30T) and Finance & Insurance ($6.8T) combine to form a massive piece of the pie.

• Services vs. Production: Business Services ($4.11T) outpaces Manufacturing ($2.96T), highlighting the deeply service-oriented nature of the modern U.S. economy.

• The Foundation: Traditional anchors like Agriculture ($0.26T) and Mining ($0.37T) make up tiny fractional slivers of the overall GDP output.

When you break it down like this, where do you see the biggest systemic risks—or opportunities—over the next decade?

06/18/2026

Is it better to buy a home today or wait for the market to change? Let’s look at the strategic side of the housing puzzle. 🗺️🏡

In this clip, we discuss the practical framework for evaluating homeownership in one of the most restrictive markets we’ve seen in decades. 📉

Key Takeaways for Buyers:

• The Best Time vs. Today: While the absolute ideal times to buy—like 10 years ago or pre-pandemic—are in the past, waiting around for a massive drop in home costs might not be a reliable strategy either.

• The 5-Year Rule: If you are purchasing a home as a primary residence and plan to stay there for five years or more, long-term stability and equity building often outweigh short-term market fluctuations.

• The Refinance Option: Buying today locks in the property asset, with the structural flexibility to refinance into a lower rate later if the macroeconomic environment shifts down.

Understanding your personal timeline and holding power matters much more than trying to time a volatile market.

Check out the video for the full strategic breakdown! 👇

The underlying reality of the U.S. labor market is flashing a major warning signal.Looking at the YoY change in net full...
06/17/2026

The underlying reality of the U.S. labor market is flashing a major warning signal.
Looking at the YoY change in net full-time employment, the growth engine has broken down and slipped into negative territory. Headline numbers don't show the whole picture.

06/16/2026

Analyzing Structural Housing Affordability: 2006 vs. Today 📊🏠

When mapping out consumer health and real estate cycles, tracking the median share of income allocated toward housing costs offers critical macroeconomic context.

In our latest video breakdown, we contrast the data points between two distinct real estate cycles using the Federal Reserve Bank of Atlanta's Home Affordability Monitor:

• The 2006 Peak: In July 2006, immediately preceding the structural collapse of the housing market, the median multi-family or single-family home required roughly 44% of a household's median income to maintain.

• The Modern Landscape: Data from the Federal Reserve highlights that the average household is currently allocating 42% of their income toward housing obligations.

The Drivers Behind the Compression:
This baseline tightness is being driven by a combination of elevated structural home prices, lag in historical real wage growth, and sustained higher interest rate regimes. While macro forecasting suggests a potential softening or normalization of mortgage rates back toward the 5.5% to 6.0% range, the underlying structural costs of homeownership remain highly compressed relative to median incomes.

How are you evaluating consumer resilience and housing liquidity in this environment?

Where is the money going? Looking at the long-term data, employee compensation as a percentage of U.S. Gross Domestic In...
06/15/2026

Where is the money going?

Looking at the long-term data, employee compensation as a percentage of U.S. Gross Domestic Income (GDI) has steadily declined over the last few decades. While it peaked at 58% in 1970, it compressed sharply after 2020 and sits just above 51% today.

Even with recent wage growth trying to play catch-up, the structural breakdown shows labor taking home less of the total economic pie.

06/13/2026

What exactly is the Strategic Petroleum Reserve, and how does it impact the broader economy? 🗺️🛢️

In this video, we break down the history and mechanics of America’s emergency oil stockpile—the SPR. Designed to protect the domestic supply grid during times of intense market disruptions, the management of this reserve plays a massive role in global energy logistics.

Here is a look at the data:

Historically, the reserve held up to 725 million barrels of crude oil at its peaks, providing a deep cushion against geopolitical shocks. Following recent multi-year drawdowns aimed at mitigating supply deficiencies, those levels have shifted down significantly toward 365 million barrels.
When emergency shock absorbers are drawn down, it can temporarily balance the physical market—but it also leaves a narrower buffer for the future if global supply chains tighten up again.

The Structural Shift in U.S. Housing Capital: Analyzing the 30-Year Mortgage Cycle 📊🏠When examining macroeconomic data, ...
06/12/2026

The Structural Shift in U.S. Housing Capital: Analyzing the 30-Year Mortgage Cycle 📊🏠

When examining macroeconomic data, few charts tell a more vivid story about consumer capital costs than the 30-year fixed-rate mortgage average shown in this chart.

Over the last few years, the real estate market has experienced an unprecedented regime change:

• The Baseline Pivot: Moving away from the emergency pandemic-era lows below 3%, the rapid upward velocity driven by central bank tightening cycles caught a generation of market participants off guard.

• The Historical Multi-Decade Context: While current levels in the mid-to-high 6% range feel exceptionally restrictive compared to the last decade, taking a step back reveals they sit closer to the long-term historical norm spanning back to the 1970s.

• The Structural Gridlock: The velocity of this move created a "lock-in" effect, where existing homeowners holding low-rate paper are hesitant to sell, resulting in frozen supply and sustained premium pricing on available inventory.

As long-term yields fluctuate with shifting macroeconomic data and global risk sentiment, tracking mortgage averages remains essential for understanding consumer health and broad liquidity flows.

Where do you see the structural equilibrium for home borrowing costs settling by the end of the year?

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