The topic of Fed rate cuts has been quite the buzz lately. Some say the cut will happen in December, others say it’ll be next January—institutions just can’t agree. Honestly, I’m a bit confused myself; when will the cut actually happen? But I’ve heard the job market is still doing well, so maybe we really do have to wait a bit longer. For us regular folks, there’s no need to rush—rates will come down eventually. For now, let’s just focus on our own wallets.