The Fed cut rates again last week, and the reaction was "meh."


Romeo Razi, CPA

Nov 2nd

🏦The Fed cut rates again last week, and the reaction was "meh."

Jerome Powell pulled the trigger one more time, slicing rates from 4.00% to 3.75%.

Romeo, is this "Boo-yah"? Nope!

Mr. Market responded like a kid with too many toys: unimpressed and still whining for more. Because no sooner had J‑Pow sat down to finish his sentence, Wall St. leaned in and whispered, “Daddy... December too, right?”

Embracing his inner "Tall Paul" Volcker (minus the cigar and spine), he mumbled something about "driving through fog."

Translation: There's no cut coming in December, because I don't know what's going on... and neither do you.

The Highlights (minus the Fed-Speak)

✔️ Yes, they cut. 3.75% is the new benchmark. But no one’s waving “Mission Accomplished” signs.
⚠️ Market shrugged. Rate cuts usually juice stocks, but this time the S&P blinked.
🧭 Another cut? December cut is far from certain. Wall Street hates "maybes" almost as much as taxes.
📊 Missing data. The government shutdown delayed key economic reports.
🔄 Risk‑management mode. The Fed’s playing defense: trying not to crash the job market or let inflation sneak back.

🧠Romeo, didn't this happen in the 70s? Why's it different this time?

It feels a little ‘70s-ish, but there's a big difference between inflation then, and now.

Back then: banks were lending like it was Studio 54. Boomers were coming of age, and easy credit was everywhere. In the 70s, it was the private-sector boom that drove inflation.

Today: it’s Uncle Sam with the credit card. Stimulus. Pandemic payouts. Trillion-dollar deficits like it’s a TikTok trend.

So Tall Paul could spike interest rates, and the banks would stop lending, and thereby inflation would tap-out.

J Pow can't do that, because even if he does, Congress won't stop spending.

As my old nostalgic Board Ape bros used to tweet:
NGMI.


🎭Government still closed

Day 33 of the government shut down and here's what we're missing:

🚫 SNAP Benefits (Food Stamps)
↳ November payments? Hanging by a thread. Some states already issuing IOUs.

📉 Economic Data Reports
↳ Jobs, inflation, GDP. I heard the ADP is holding out too. Hey, we're all on break I guess.

📬 IRS Processing & Taxpayer Services
↳ Got questions? Too bad. Need your refund sooner? Get in line. All good for avoiding audits, terrible if you need something from them, especially your refund.

🧪 Scientific Research (NIH, NASA, etc.)
↳ Cures, climate, space missions, all paused. Hope you weren’t working on anything important.

🌳 National Parks
↳ Want to visit a national park? Bring your own ranger.

👮 Federal Law Enforcement Hiring & Training
↳ FBI, DEA, ATF hiring frozen. Criminals, you may proceed.

🧾 Small Business Loan Approvals (SBA)
↳ Trying to open a donut shop? Sorry, bureaucracy is still on break.

🏛️ Congressional Productivity
↳ Let’s be real. This one was shut down years ago.

We’re past the “symbolic standoff” stage and fully into “accidental experiment in what happens when you let children run a budget.”

TBH, I'm ready for term limits, for not only POTUS, but also Congress.

Who's with me?


🏠 Housing Corner

Inventory keeps going down, and days on market keep going up.

💹

Interest Rates


6.37%

🏡 🏡 🏡
Inventory


817,297

🧊

Days on Market


121 days (3+ months)

Here's a quick list of the housing stats over the last 2 weeks:

🏠 Mortgage rates: 6.37% (down a few more bps)
📈 Inventory: 817,297 homes (down 13k in the last week)
📉 Price reductions? 40.9% (same-ish)
💰 Median list price? $425,000 (down another $2,900)
🕰️ Days on market? 121 (+3 days)


Market Highlights

Market was flat this week


~ S&P $6,813 (+0.21%)
~
NASDAQ $23,276 (+0.43%)
~
BTC $86,414 (-0.97%)

Commodities telling a story


~ Silver $58 (+98.31%)
~ Gold $4,255 (+61.08%)

Silver went up almost 100% this year =

The world is worried about USA's debt.

fdsaf


What's been going on with your Favorite CPA

Oh, just a little light slab surgery.

Found a leak in a copper pipe under the foundation. So now I get to re‑pipe the entire house. Because nothing says “fun” like plumbing decisions that involve re-routing pipes.

But here’s the silver lining:
💧 I now believe in PEX the way some people believe in astrology.
💸 Copper may be valuable, but not when it’s leaking under your bathroom tile.
🛠️ This week’s tax prep has been brought to you live from a construction zone.

Send your thoughts, prayers, and plumbing tape.


Until next week, ❤️

Romeo Razi, CPA

Taxedright.com

113 Cherry St #92768, Seattle, WA 98104-2205
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