Fed Rate Cut Doesn’t Guarantee Lower Rates | Phil Grande – Philsgang.com 11/17/2025

When the Federal Reserve announces a rate cut, many assume borrowing costs will automatically drop. But that’s not always the case. In this episode, Phil Grande of Philsgang.com explains why lower Fed rates don’t necessarily translate into cheaper mortgages, credit cards, or loans. He breaks down the mechanics of monetary policy, market reactions, and what investors should really watch for when the Fed makes its move.

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