We’re in year 3 of interest rates being basically 2-4x what they were the prior 3 years. Just this past month, June 2025, Fed Chair Jerome Powell said “For the time being, we are well positioned to wait to learn more about the likely course of the economy before considering any adjustments to our policy stance.”  In other words, NO. At Sonoma Wealth, we plan toward potential futures and outcomes in finance, but also help clients operate under current circumstances.  Life doesn't stop for some desired future. If interest rates remain high, how can you adjust?  Or even take advantage? In this INTERESTing episode of It’s All Money, we look at 4 strategies to employ when interest rates won’t drop.  What’s the root cause of credit card debt?  Are you over your skis on your real estate?  Why is now a great time to maximize cash?  What assets thrive in the market in a high interest rate environment? We hope you or someone you may know impacted by interest rates will find this episode helpful! 6:31 What even are “Interest Rates”? 16:33 #1 – Get Your Debt Under Control 23:18 #2 – Be Honest About Real Estate 31:03 #3 – Maximizing Cash 34:40 #4 – What To Do In The Market  Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/ Find Dave Ramsey’s 7 Baby Steps here: https://www.ramseysolutions.com/dave-ramsey-7-baby-steps?gad_source=1&gad_campaignid=197939186&gbraid=0AAAAAD_Z1jz_u9Wufbx-LeZd6wPX3_8JO&gclid=Cj0KCQjw1JjDBhDjARIsABlM2StVhZVGEWej9f0v_akCLuogJdVE26et1rgrDkVZerD_8WFTj8_8EsQaAileEALw_wcB   Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ  References https://abcnews.go.com/Business/americans-credit-card-debt-reaches-new-record-high/story?id=118788620 https://www.axios.com/2025/03/07/car-loan-payment-delinquencies-record-high https://www.macrotrends.net/2015/fed-funds-rate-historical-chart https://www.nerdwallet.com/article/banking/historical-cd-rates https://apnews.com/article/interest-rates-federal-reserve-trump-inflation-df5b9ac09f0cd283797c6c294a98da9c https://www.nerdwallet.com/article/finance/data-2023-budgeting-report https://www.federalreserve.gov/newsevents/testimony/powell20250624a.htm  _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

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